US 2028 Spousal IRA

2028 spousal IRA: non-working spouse contributes $7,500 ($8,500 if 50+). Based on working spouse earned income. MFJ required. Same income phase-out applies.

Working spouse earned income ($)

Non-working spouse age 2028

Combined MAGI ($)

Allowed

—

Max

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Working spouse income	—
Max contribution	—
Allowed 2028	—

Spousal IRA: non-working spouse contributes to own IRA based on working spouse's earned income. 2028 max $7,500 ($8,500 if 50+). MFJ required. Same income phase-out as Roth IRA applies. Useful for single-income households + stay-at-home parents preserving retirement savings.

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Last updated May 2026. Sources: IRS Sec 219.