Question: can each spouse contribute to ira?
Answer: Even spouses who don't work for pay can contribute to a spousal IRA if they file taxes jointly with a spouse who does. That means, if each spouse has an IRA, in 2020 they each can contribute up to $6,000 per year, for a total of $12,000 (or $7,000 each, for a total of $14,000 if they're age 50 or older).