Making the Most of a Spousal IRA

ARTICLE | April 15, 2026

Not having earned income does not necessarily mean you are locked out of saving for retirement in an IRA. If you are married and your spouse earns income, you may be able to take advantage of a spousal IRA. This often-overlooked strategy allows a non-working or lower-earning spouse to make IRA contributions based on the other spouse's earned income. For 2026, contribution limits have increased, and the rules differ depending on whether you are interested in a traditional deductible IRA or a Roth IRA. Understanding the eligibility requirements and income thresholds can help you maximize your retirement savings as a couple.

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