The Deluxe will handle many things. The IRA could be nondeductible, needing form 8606. It may create the saver's retirement credit for you. Everything I can think of from your synopsis will be handled by Deluxe. If you come across something else in your tax return, the program will notify you to upgrade. You click the button and continue on with your return. No need to be concerned about getting the right software. The program makes it easy.