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For Taxpayers filing Married, Filing Joint returns, your Traditional IRA Deduction is phased out at a joint MAGI between $101,000-$121,000 if you are both covered by an employer retirement plan.
For Single Taxpayers, that range is $63,000-$73,000.
For Married, Filing Separate, the range is $0-$10,000.
On a joint return, if one spouse is covered by an employer plan but the other is not, the spouse not covered has a MAGI phase-out of $189,000-$199,000.
For any of these categories, once your MAGI is over the phase-out range, no deduction is allowed.
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