@richlyntek Bsch4477 is correct that you can contribute to a Roth IRA up to the $7,000 ( or $8,000) if your Modified AGI (MAGI) is less than $230,000 in 2024. You may be able to project your 2024 MAGI by comparing your 2023 MAGI and accounting for the changes in your situation.
MAGI is calculated by taking your Adjusted Gross Income and adding back items like your student loan interest deduction, foreign earned income exclusion, and excludable savings bond interest. You can see Worksheet 1-1 on page 15 of Publication 590-A for the complete calculation.
For Roth contributions, you don't need to worry about whether or not you could contribute to an employer's 401(k) plan. Those limits apply to the deduction allowable for a Traditional IRA.
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