IRA Contributions for 2025 between Jan 2026 and April 15 2026

[s6skuzy]

Looking to make an additional IRA contribution for 2025 to help lower our taxes.  When entering an amount on the Total 2025 traditional IRA contributions field, my taxes go down.  When I add same amount in the Amount of these regular contributions for 2025 you contributed between January 1, 2026 and April 15, 2026 filed, my taxes go back to what they were.  Seems to be offsetting it for some reason.  Any ideas or suggestions? 

I would think that if our income was over the MAGI threshold, it wouldn't deduct on either field.

Thanks

[ThomasM125]

On the screen that says Traditional IRA's, you need to enter the contribution in both boxes, not just the the second one that is for contributions in 2026. 

[s6skuzy]

Yes, but when I enter in both fields the deduction seems to disappear and go to a non-deductible

[dmertz · Accepted solution]

It seems that this is a nondeductible traditional IRA contribution that when treated as contributed in 2025 is reducing the taxable amount of some 2025 traditional IRA distribution but is not doing so when treated as contributed in 2026.  Check for changes on Form 8606 with and without the entry of the amount contributed in 2026.

[s6skuzy]

Thanks...  Weird that when I go directly to the form and enter it, it calculates with the deduction/reduction in taxes...