ChristinaS
Expert Alumni

Retirement tax questions

Maybe.

Whether an IRS contribution is deductible or not also depends on your income, your filing status, and whether your spouse (if married) is covered by a plan at work.

Since you yourself are covered by a plan, use the chart below to determine any deduction for a contribution made by you:

https://www.irs.gov/retirement-plans/plan-participant-employee/2016-ira-contribution-and-deduction-l...

If you are married and your spouse is not covered by a plan, the income limit is higher if the contribution is made by the spouse instead:

https://www.irs.gov/retirement-plans/plan-participant-employee/2016-ira-contribution-and-deduction-l...