$0-$10,000 — Married Filing Separately (and you lived with your spouse at any time during year)

$95,000-$110,000 — Single, Head of Household, or Married Filing Separately (and you did not live with your spouse)

Contributions to Spousal Roth IRA

You can make contributions to a Roth IRA for your spouse provided you meet income requirements.

When to Make Contributions

Contributions to a Roth IRA can be made at any time during year or by due date of your return for that year (not including extensions). Roth IRA contributions are not tax deductible and are not reported on your tax return. On other hand, you do not include in your gross income, and therefore are not taxed on, any qualified distributions or distributions that are a return of your regular Roth IRA contributions or that are rolled over into another Roth IRA.

The Roth IRA is an incredibly valuable retirement vehicle since distributions are made tax-free. If you are considering retirement planning, make sure to investigate Roth.

Request either transcript by calling 1-800-829-1040, or order by mail using IRS Form 4506-T, Request for Transcript of Tax Return. The IRS does not charge a fee for transcripts, which are available for current and three prior calendar years. Allow two weeks for delivery.

If you need a photocopy of a previously processed tax return and attachments, complete Form 4506, Request for Copy of Tax Form, and mail it to IRS address listed on form for your area. There is a fee of $39 for each tax period requested. Copies are generally available for current and past 6 years.