Spousal IRA

For when only one partner is working.

Saving for you and your spouse’s retirement? This is the option for you!

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For People Who…


  • Are the only working spouse
  • Want the flexibility to choose between a Traditional or Roth IRA

Benefits


  • Make an annual contribution up to $12,000.
  • Two separate accounts---one for each spouse.
  • If you are 50 years of age or above, you may make additional contributions of $1,000 per year.

Features


  • The rules of the account depend on whether or not you choose to make it a Traditional or Roth IRA.
  • To open, you must plan on filing a joint tax return when it comes time to do your taxes.
  • No more than $6,000 deposited into either account annually.

Additional Information

  • A working spouse may open an IRA for a spouse who is not earning compensation. It may be established as a Traditional or Roth IRA.
  • The IRA contributions are placed in two separate accounts---one for each spouse.
  • You may make an annual contribution up $12,000 or 100% of the working spouse’s compensation, whichever is less, with no more than $6,000 deposited into either account annually.
  • If you are 50 years of age or above, you may make additional contributions of $1,000 per year.
  • To open, you must plan on filing a joint tax return when it comes time to do your taxes.

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