What is the total maximum contribution limit for a Spousal IRA in 2018?

In 2018, the total maximum contribution limit for a Spousal IRA was indeed $11,000. This limit includes contributions for both spouses, provided that one spouse has earned income sufficient to cover the contributions for both IRAs.

For IRAs, individuals can contribute a maximum of $5,500 if they are under the age of 50. If they are 50 or older, they can make an additional catch-up contribution of $1,000, bringing their total contribution allowance to $6,500 for 2018 individually. When considering a Spousal IRA, the same limits apply to each spouse, leading to a combined total of $11,000 for both individuals if one spouse qualifies to contribute for the other.

This structure promotes retirement savings for married couples where one spouse may not have sufficient earnings to contribute to an IRA on their own, allowing for joint contributions to maximize their retirement savings. The other options do not correctly represent the maximum contribution limit for a Spousal IRA in that year, making $11,000 the accurate figure.