Many couples think putting their spouse on payroll helps with Social Security benefits, but that’s usually not worth it. A non-working spouse already qualifies for half of the working spouse’s benefit, and it’s based on 35 years of income. Instead, the real reason to add your spouse to payroll is to fund their 401(k) and maximize your household retirement savings. The key is finding that perfect salary level — enough to contribute to the plan, but not so high that you trigger unnecessary payroll taxes.
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