TurboTax is not registering my $7,000 Traditional IRA contribution as nondeductible causing my Tax due to jump.

[baldietax]

how did you answer the questions in the IRA section... you may get a question asking how much you want to elect to be non-deductible

[LindaS5247]

If your IRA contributions are not being registered as deductible/nondeductible in TurboTax as you are expecting, you can try the following to correct that:

1. Click on Search at the top right of your TurboTax screen
2. Type IRA contributions in the search box
3. Click on the link Jump to IRA contributions
4. Follow through the screen and answer the questions carefully
5. On the screen that says YOURNAME's Traditional IRA's it should show your deductible contributions and it asks Deductible Contributions elected non-deductible make sure you fill/not fill in the box correctly

Keep in mind:

• IRA contributions may not be tax-deductible if you or your spouse are covered by a retirement plan at work (like a 401(k)) and your income (MAGI) exceeds IRS limits. For 2025-2026, single filers with a MAGI of $91,000 or more cannot claim a deduction if covered by a plan at work.
• Traditional IRA deductions phase out with a Modified Adjusted Gross Income of $81,000–$91,000 (for Single filers) or $129,000–$149,000 (For filers filing Married Filing Jointly) See IRS Pub 590-A 
• If you cannot take a deduction, you are still allowed to make the contribution (non-deductible IRA contribution). These require filing IRS Form 8606 to track the basis, otherwise, you may be taxed twice on that money
• If you are not covered by a work plan and are not married to someone who is, your traditional IRA contribution should be fully deductible. 
   

See also:

Deductions Allowed for Contributions to a Traditional IRA

Where do I enter my traditional or Roth IRA contributions?

Please return To Community if you have any additional information or questions and we would be happy to help.