Author Topic: Spousal IRA Question  (Read 409 times)


  • Stubble
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Spousal IRA Question
« on: July 21, 2017, 10:19:09 AM »
I have a spousal Roth IRA set up for my stay at home wife which we max out every year.

I thought that I was phased out of deduct-ability for a traditional IRA because our household income is greater than $98k of which my wife has no earned income.

I was reading into it and there is another income limit of "spouse (me) participates in a workplace retirement plan" of $183k. Now does my wife need earned income to have the contribution be deductible? Or can we add the $5500 to her IRA and get the deduction because technically she isn't covered by a workplace plan.


  • Handlebar Stache
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Re: Spousal IRA Question
« Reply #1 on: July 21, 2017, 10:27:19 AM »
I think you should be good to go. I haven't seen anything that changes the deduction limits based on where the income comes from, and your wife does not have a plan at work. Not a definitive source, but would seem to agree.

Also, the limit is $186k this year: