topic Contribution to spouse's Roth IRA in Retirement tax questions

Contribution to spouse's Roth IRA

PT48 — Wed, 11 Feb 2026 04:11:31 GMT

I'm in my 70's, still working (receive a W-2), and contribute the maximum allowed to my workplace 401(k). Can I still contribute to my spouse's Roth IRA although she has no earned income?

Re: Contribution to spouse's Roth IRA

MinhT1 — Wed, 07 Feb 2024 19:47:26 GMT

Yes.

If you have earned income, you can contribute to a spousal Roth IRA for your spouse, up to $6,500 ($7,500 if she is 50 or older).

Your joint modified AGI must be less than $218,000. Between $228,000 and $228,000 you can contribute a reduced amount.

Re: Contribution to spouse's Roth IRA

Opus 17 — Wed, 07 Feb 2024 20:43:05 GMT

Yes, but only up to the amount of your compensation. For example, suppose you work part-time and earned $10,000. If you contribute $7500 to your IRA, you can only contribute $2500 to your spouse's IRA.