How can I make a child an employee without being a business owner so they can contribute to an IRA?

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Do you own a business? Is the kid working? As long as they have an earned income, they can contribute to an IRA. If they're under 18 there are some extra steps you need to take, but as long as there's income, they can open and contribute to an IRA

You can't

Agree with the other responses that they can't be your employee if you don't have a business. However, they don't need to be an employee to contribute to a Roth IRA, just have earned income. Here is Fidelity's language on their custodial Roth IRA page...



To open and contribute to a Roth IRA for Kids, your child (under age 18) simply needs to earn income—whether it's as a babysitter, lifeguard, dog-walker, you name it.

Tip: If your child didn't receive a W-2 for the work, just keep a log of their income to validate your contributions, if asked.

Keep in mind: Filing a tax return for the child is NOT required if they earn less than the IRS standard deduction amount ($15,000 in 2025).

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