There may be other AGI limitations.
"Modified AGI limit for traditional IRA contributions.
For 2025, if you are covered by a retirement plan at work, your deduction for contributions to a traditional IRA is reduced (phased out) if your modified AGI is:
- More than $126,000 but less than $146,000 for a married couple filing a joint return or a qualifying surviving spouse,"
See IRS Publication 590-A (2025), Contributions to Individual Retirement Arrangements (IRAs)
Modified AGI limit for traditional IRA contributions
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