2024 Ira Contribution Limits Spouse. $7,000 per individual in 2024.  — a spousal ira is a type of retirement savings that allows a working spouse to contribute to an individual retirement account (ira) in the name of a nonworking spouse.

 — you can contribute those amounts to both your and your spouse’s iras for up to a maximum of $16,000 if both of you are 50 or over. The most you may contribute to your roth and traditional iras for the 2023 tax year is: