Roth Ira Married Filing Jointly 2024. Note that if you’re married and file separately but live with your spouse, you can’t contribute anything to a roth ira if your agi is more than. For 2023, married couples filing jointly can claim the maximum credit if their adjusted gross income (agi) is not more than $43,500.

Subtract from the amount in (1): A roth ira can be opened for a minor child who has earned income for the year.