bowermml
Returning Member

Deductions & credits

The tax code summarized a different way for this:

 

"Married filing jointly (spouse has employer plan, IRA owner does not)**"

 

is here...

 

https://www.jrcpa.com/retirement-plan-contribution-limits-phase-out-ranges-and-income-limits/

 

"For married couples filing jointly, if the spouse making the IRA contribution is covered by a workplace retirement plan, the phase-out range increases to between $126,000 and $146,000 ($123,000 and $143,000 in 2024).

 

For an IRA contributor who is not covered by a workplace retirement plan and is married to someone who is covered, the phase-out range increases to between $236,000 and $246,000 ($230,000 and $240,000 in 2024).""