Using the Married Filing Separate (MFS) filing status while living with your spouse during the year does not completely disqualify you from contributing to a Roth IRA, but it is severely limited because your Modified Adjusted Gross Income (MAGI) must be less than $10,000 to make a contribution.
Therefore, if your MAGI is greater than $10,000 with the MFS filing status and you entered a Roth contribution, then your entire contribution is considered to be an excess contribution.
See the following information from the IRS with regard to Roth IRA contributions combined with filing status and income limitations:
Amount of Roth IRA Contributions That You Can Make for 2022
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