AnnetteB6
Employee Tax Expert

Deductions & credits

If you are trying to make a deductible Traditional IRA contribution and you are covered by a retirement plan at work, filing a joint return, then the information in this IRS table shows the joint income limit that determines whether your contribution is deductible.  Since you are filing a joint return, your joint income is the amount used to calculate the Modified AGI referenced in the table.

 

Your spouse being covered by a retirement plan at work (and the higher joint income limit) only comes into play if you are not covered by a retirement plan at work since you are the person making the IRA contribution.

 

@twoho 

**Say "Thanks" by clicking the thumb icon in a post
**Mark the post that answers your question by clicking on "Mark as Best Answer"