dmertz
Level 15

Retirement tax questions

The IRA deduction phase-out range for the an individual filing jointly who is covered by the workplace retirement plan is $101,000 to $121,000.  The IRA deduction phase-out range for that individual's spouse who is not covered by a workplace retirement plan (your spouse, in this case) is $189,000 to $199,000.

If your MAGI is under $189,000 yet TurboTax is indicating that your nonworking spouse is not eligible for a deduction for your spouse's IRA contribution, you've either indicated to TurboTax in some way that your spouse is the working spouse who is covered by a workplace retirement plan (perhaps by mistakenly associating your W-2 to your spouse), or you've mistakenly entered your spouse's IRA contribution as a contribution to your own IRA.