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They're essentially the same contribution rules which govern your Roth IRA if you're married, file a joint tax return, and both spouses earn income. The combined income of the two spouses is treated like one income, regardless of who earns it. One spouse can earn 100% of the household income or each spouse can earn 50%.
A husband and spouse may contribute to one another's traditional or Roth IRA. Because each spouse can contribute $5,000 or $6,000 per year, the combined contributions may total $10,000 to $12,000, depending on their ages.he money you put into a traditional IRA is tax deductible unless your adjusted gross income exceeds IRS income limits, discussed below. Only individuals can open and own IRAs. However, a husband and spouse may each own and contribute to separate traditional IRAs.