As I mentioned in my original reply, the amount that TurboTax displays as the maximum contribution for each spouse is calculated without regard to the other spouse's contributions and represents the individual limit, not the combined limit. That means that TurboTax is calculating these as 4/12 * $8,100 = $2,700 for you and 4/12 * $8,100 + 8/12 * $4,550 = $5,733 by allocating the full $7,100 family limit to each of you separately. However, once you divide the family limit as you chose to do, the result is as you calculated and is the maximum combined contribution. Changing the allocation would change the amount each is eligible to contribute, but the combined limit will be the same, $6,066. In other words, the combined limit is $6,606 but, regardless of how you split the family limit, you are not permitted to contribute more than $2,700 and your wife is not permitted to contribute more than $5,733.
