Eligibility for Roth IRA when filing status is married filing separate

[Guest Judy Edwards]

My filing status is Married Filing Separately. I have not lived with my spouse for 13 years but am not divorced. Can I contribute to a Roth IRA?

[Michael Devault]

If you are married, filing separately AND you did not live with your spouse at any time during the year, you can contribute to a Roth IRA if your modified adjusted gross income is less than $110,000. However, if you live with your spouse at any time during the year, the modified AGI threshhold drops to $10,000.

Hope this helps.