I'm trying to determine whether my wife can contribute to an IRA. The table on the IRS website talks about AGI and I'd just like to know whether the AGI in the case of married filing jointly is our combined income or not.


It includes income for both spouses, as it is calculated from a version of your tax return (which includes both your incomes), as shown in this IRS description. There is a discussion here about limit on a traditional IRA deduction if a spouse is covered by a retirement plan.

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