Spousal Ira Income Limits 2025 Married. For 2023 and 2025, married individuals filing separately can only contribute to a roth ira if their modified adjusted gross income (magi) is less than $10,000. A spousal ira is an individual retirement account that allows married individuals to save for retirement based on their spouse’s taxable income rather than.

For all ira types, you can contribute up to $7,000 in 2025 ($8,000 if you’re 50 and older). For 2025, the individual spousal ira contribution limit is.