A bill to amend the Internal Revenue Code of 1986 to allow certain family caregivers to contribute to a Roth IRA.

Read twice and referred to the Committee on Finance.

2026-04-14

This bill would allow family members who provide unpaid care for relatives—such as elderly parents or disabled family members—to set aside money in a Roth IRA retirement account, which normally requires earned income to contribute. Currently, people who don't have a job or official income can't save for retirement this way, even if they're doing important caregiving work at home. The change would help family caregivers build retirement savings while they're focused on caring for loved ones.