401k Limit 2024 Married Filing Separately. If you file separately and did not live with your spouse at any time during the year, your ira deduction is determined under the single filing status. The contribution limit for employees who have a 401(k) plan is $23,000 in 2024.

The 2024 roth ira income limits are $161,000 for single tax filers and $240,000 for those married filing jointly. Your filing status is single, head of household, or married filing separately and you didn’t live with your spouse at any time in 2024 and your modified agi is at least $146,000.