I am working and my spouse is not. I am under 50 and not eligible for the additional "catch-up" contribution, but she is. Am I allowed to make a spousal contribution at the catch-up rate in her account or is the limit still based on my own age?

Other relevant info:

  • We file jointly.
  • I have more income that the total amount I expect to contribute to both accounts.

1 Answer 1


It appears that the limit for the non-working spouse in $6,500 as long as the combined income is greater than the total contributions for both spouses.

Spousal IRAs

If you file a joint return, you and your spouse can each make IRA contributions even if only one of you has taxable compensation. The amount of your combined contributions can’t be more than the taxable compensation reported on your joint return. It doesn’t matter which spouse earned the compensation.


Sarah, age 52, is married with no taxable compensation for 2012. She and her husband reported taxable compensation of $60,000 on their 2013 joint return. Sarah may contribute $6,500 to her IRA for 2013 ($5,500 plus an additional $1,000 contribution for age 50 and over).

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