@nitingautam wrote:
Could not be deductible
In general, you can use the spousal IRA rule to contribute to a spouse's IRA even if the spouse didn't work, as long as you have enough compensation from working to cover both IRA contributions.
However, depending on your income and your work retirement benefits, your ability to make deductible contributions to your own or a spouse's IRA may be limited.
https://www.irs.gov/retirement-plans/ira-deduction-limits
You can may be able to make a non-deductible contribution to a Roth IRA instead. Or, you can make non-deductible contributions to a traditional pre-tax IRA, but that creates a complicated situation that will follow you for the rest of your life. We can discuss those options if you want to.
