A stay-at-home parent who has no income of their own can still have a Roth IRA. This so-called spousal IRA is just like any other Roth IRA, except that it's your spouse’s income that determines whether you qualify for a Roth IRA based on the maximum income limits. In 2021, if your tax filing status is married filing jointly, then you can contribute the full amount ($6,000, or $7,000 if you’re age 50 or older) if your MAGI is less than $198,000, a reduced amount if you make $198,000 to $208,000, or nothing at all if your income is over $208,000. In 2022, if your tax filing status is married filing jointly, you can still contribute the full amount ($6,000, or $7,000 if you’re age 50 or older) if your MAGI is less than $204,000, a reduced amount if you make $204,000 to $214,000, or nothing at all if your income is over $214,000.