topic is this a bug? the Roth IRA income limit for married file sep is 10,000 but the others are over 100K in Retirement tax questions

is this a bug? the Roth IRA income limit for married file sep is 10,000 but the others are over 100K

terre-porter — Tue, 03 Feb 2026 13:18:09 GMT

The help section lists this as the following: Roth IRA contributions aren't permitted if your modified adjusted gross income (AGI) is at or above the following limits: - 240,000 if you're married filing jointly, or a qualifying surviving spouse - 10,000 if you're married filing separately - 161,000 for all other filing statuses

Re: is this a bug? the Roth IRA income limit for married file sep is 10,000 but the others are ov...

AnnetteB6 — Tue, 04 Feb 2025 20:29:20 GMT

The information you shared is correct. Married Filing Separately filing status does have some strong limitations for certain credits or tax advantages. The income limit for a Roth IRA contribution is one of those limitations.

See the following article from the IRS for more detailed information:

Amount of Roth IRA contributions that you can make for 2024