My wife and I are married filing jointly. I am covered by a retirement plan at work but she is not. Why can't she take the full deduction for her IRA contribution?

Our adjusted gross income is under 184,000

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My wife and I are married filing jointly. I am covered by a retirement plan at work but she is not. Why can't she take the full deduction for her IRA contribution?

When your combined income reaches $184,000, the deduction begins to phase out, even for spouses who are not covered by a plan. See the second link.

IRA deductibility - covered by employer plan

IRA deductibility - NOT covered by employer plan

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My wife and I are married filing jointly. I am covered by a retirement plan at work but she is not. Why can't she take the full deduction for her IRA contribution?

When your combined income reaches $184,000, the deduction begins to phase out, even for spouses who are not covered by a plan. See the second link.

IRA deductibility - covered by employer plan

IRA deductibility - NOT covered by employer plan

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