Why are my traditional IRA contributions not fully deductible?
Your deduction for contributions to a traditional IRA is limited by your taxable compensation for the year. If your Modified Adjusted Gross Income (MAGI) falls within the limitations shown below for your filing status, and you're covered by a retirement plan at work, your deduction for traditional IRA contributions is limited.
If your MAGI is equal to or above the upper limit of the range shown above for your filing status, your contributions to a traditional IRA are nondeductible.
| Filing Status | MAGI Range |
| Single, Head of Household, or Married Filing Separately (and you didn't live with your spouse at any time during the year) | $79,000 - $89,000 |
| Married Filing Jointly or Qualifying Surviving Spouse | $126,000 - $146,000 |
| Married Filing Jointly and your spouse is covered by a retirement plan at work and you aren't (and you lived with your spouse at any time during the year) | $236,000 - $246,000 |
| Married Filing Separately (and you lived with your spouse at any time during the year) | $0 - $10,000 |
If your MAGI is equal to or above the upper limit of the range shown above for your filing status, your contributions to a traditional IRA are nondeductible.
