IRA MAGI for 2025 Question

Forum|Forum|4 months ago
February 5, 2026
2 replies
1 view

Hello, I am entering in my IRA amounts. I contribute to an IRA, my husband does not. I am being told by TT that we are over the $155k limit, but if I contribute and he doesn't, wouldn't that move us to the $236k limit? Thanks!

Best answer by dmertz

I think TurboTax is saying that your MAGI is $155k which is over the $146k threshold for 2025 and because you are covered by a workplace retirement plan your traditional IRA contribution is not deductible. This limitation on the deductibility of your IRA contribution has nothing to do with anything about your husband (other than the fact that you are married and filing jointly).

KrisD15

Level 15

It would depend on if you are both covered by a retirement plan at work or only he is.

Since you are making the contributions, were you covered by a retirement plan at your work?

IRA Contribution limits

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twohoAuthor

Level 3

He has it available at his work but doesn't put in. I'm the only one who puts in. So, would this be the case then? Thank you for answering!!

dmertzAnswer

Level 15

twohoAuthor

Level 3

Ah ok. Combined we're over the 155k so that's what I was wondering. He has it offered and doesn't put in, I am the only one who puts in a 401 and the IRA is on my own after taxes. Thank you so much for answering!