Can Both Husband And Wife Have Roth IRA? 
Both a husband and a wife can have separate Roth IRAs . Eligibility phases out if your income exceeds $ 114,000 - $ 129,000 for a single tax payer , and $ 181,000 - $ 191,000 if you are married and filing jointly . Below those levels you can both contribute $ 5,500 until age 50 at which time you annual contribution can increase to $ 6,500 each . 