2020 DEPOSIT INTO A NEW ROTH IRA, stated excess contribution

[DennisMSwift]

TRADITIONAL IRA and ROTH IRA   (screen)

Select the kind of IRA's PERSON/SPOUSE over 50 years old

SPOUSE       PERSON

     X                                   TRADITIONAL IRA

                           X             ROTH IRA    

So... allowable contribution should be $7000 per person into PERSON account for a total of $14,000

Turbo Tax 

  Roth IRA's offer some great benefits, but there is a maximum of $6000 ($7000 if over 50)

  PERSON contributed $14,000 resulting in a excess contribution and 6% penalty 

Please advise why this in considered an excess

What have I done wrong with the questions that puts me in this position with Turbo Tax 

[RayW7]

There are eligibility limits for married couples in 2020 with regard to income and if you are covered by a retirement plan at work.

• $6,000 or $7,000 contributions can be made for each spouse, if income is under $196,000.
• The right to make contributions is gradually phased out as income rises between $196,000 and $206,000.

For contributions to a traditional IRA, the amount you can deduct may be limited if you or your spouse is covered by a retirement plan at work and your income exceeds certain levels.

Roth IRA contributions aren’t deductible.

-follow this link for more information-

Retirement Plans FAQs regarding IRAs Contributions | Internal ...

[SweetieJean]

Conversely, did you have at least $14,000 of earned income in 2020?

[DennisMSwift]

yes 

SPOUSE  14,259 and 3,406

PERSON 159,000

[VolvoGirl]

Why is it saying PERSON contributed 14,000?  Somewhere you indicated the wrong person.  It needs to be 7,000 max for each spouse.  It would help if you listed an actual name like Mark and Mary instead of SPOUSE and PERSON.  

[dmertz]

IRAs are individual accounts.  You are permitted to contribute $7,000 to your IRA and your spouse is permitted to contribute $7,000 to your spouse's IRA.  It is not permissible to contribute $14,000 to a single IRA.  Each individual's $7,000 contribution must be entered separately.