If you are eligible to make Roth IRA contributions, you can fund an account for yourself and a non-working spouse, up to the contribution limits.

As of 2016, if you are under 50 years old, you are allowed to contribute $5,500 a year to your Roth IRA. If you have a spouse, even if he or she does not work, you can make contributions into an account for him or her, up to the full limit. For two people, that means $11,000 a year can be set aside each year.

If you are over 50 years old, you are allowed to make contributions of $6,500 a year (the extra $1,000 is called a “catch-up” contribution), and this can also be applied to spouses. Make sure you are eligible to contribute to a Roth based on income limitations.

The contribution limits change year-to-year for cost-of-living adjustments, and it is important to consult a professional tax advisor.