Can my non-working spouse contribute to an IRA?

Yes – a spousal IRA lets a non-working or low-earning spouse fund a retirement account based on the working spouse's income. As long as you file jointly and the working spouse earns at least as much as the total contributed, your non-working spouse can put up to $7,000 ($8,000 if 50 or older) into their own Traditional or Roth IRA for 2025. The account is owned by the non-working spouse, not jointly. This effectively doubles a married couple's IRA savings to $14,000 (or $16,000 if both are 50+). Roth eligibility still depends on your joint MAGI, and Traditional deductibility depends on workplace-plan coverage. A spousal IRA is one of the most overlooked ways for single-income households to keep both partners building tax-advantaged retirement savings.