Spousal Ira Income Limits 2025 Over 50

Spousal Ira Income Limits 2025 Over 50. This table shows whether your contribution to a roth ira is affected by the amount of your modified agi as computed for roth ira purpose. For a traditional ira, there’s an income cap that limits who can deduct their contributions if one spouse also has access to a workplace retirement plan.

And in the case of roth iras, an income cap restricts who can contribute at all. This means that, depending on the working spouse’s annual income, married.