How do I get Turbo tax to let me make an IRA contribution. I'm retired but husband still working - we file jointly. Turbo tax says I can't cuz I have no earned income.

debvol · ‎April 9, 2025

AmyC · ‎April 10, 2025

You should qualify for a spousal IRA unless the income level is too high. IRA contribution limits states:

Spousal IRAs

If you file a joint return, you may be able to contribute to an IRA even if you didn’t have taxable compensation as long as your spouse did. Each spouse can make a contribution up to the current limit; however, the total of your combined contributions can’t be more than the taxable compensation reported on your joint return. See the Kay Bailey Hutchison Spousal IRA Limit in Publication 590-A.

If neither spouse participated in a retirement plan at work, all of your contributions will be deductible.

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How do I get Turbo tax to let me make an IRA contribution. I'm retired but husband still working - we file jointly. Turbo tax says I can't cuz I have no earned income.