Tax Playbook · Keep more of each paycheck
Spousal IRAs
A couple filing taxes together can each save in their own IRA, even if only one spouse works. Each person can put in $7,500 in 2026, or $8,600 if age 50 or older. A couple under 50 can put away $15,000, or $7,500 each. Each spouse owns a separate IRA — it cannot be a joint account.
Good for: Married couples filing jointly where one spouse has little or no income.
Learn the basics
Recent articles & guides
- LegalClarity: IRS rules for a spousal IRA (2026)
- Motley Fool: Spousal IRA guide
- Investopedia: Spousal IRA benefits, contributions, and setup
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Educational summary, not tax advice. Limits and rules change — confirm current law with your tax adviser.