Spousal IRA Contribution Guide for Non-Working Spouse Retirement (2026)
Contribute to spousal IRA for non-working spouse: eligibility, contribution limits, Traditional vs Roth, and spousal retirement savings strategy.
Summary
Spousal IRA enables retirement savings for non-working spouse. This guide explains eligibility, limits, Traditional vs Roth, and strategy.
Key Steps
- 1Check eligibility: married filing jointly, working spouse has earned income.
- 2Apply contribution limit: $7,000 spousal IRA, same as regular IRA.
- 3Choose Traditional or Roth: based on current vs future tax rate preference.
- 4Consider income limits: Roth phase-out above $230K married, Traditional deduction limits.
- 5Coordinate with working spouse: maximize combined retirement savings across both IRAs.