Family Wealth
Spousal Roth IRA: How Stay-at-Home Spouses Build Tax-Free Wealth
Did you know a non-working spouse can fund their own Roth IRA using household income? Learn the rules and contribution strategies.
By David Chen, CFA
Doubling the Household Tax-Free Limit
Generally, you must have individual taxable compensation to fund an IRA. The Spousal IRA is a special IRS exception created for married couples filing jointly.
As long as one spouse earns sufficient income to cover both contributions, the working spouse can fund a Roth IRA for the non-working or stay-at-home spouse up to the full $7,500 limit ($8,600 if 50+).
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