Planning Tool · Retirement Accounts

Traditional IRA
Deductibility Checker

Determine whether your Traditional IRA contribution is fully deductible, partially deductible, or non-deductible based on your income, filing status, and workplace retirement plan coverage. Uses current IRS phase-out ranges.

HOW TO USE THIS TOOL

Select your filing status (Single, MFJ, MFS).

Indicate whether you or your spouse are covered by a workplace retirement plan.

Enter your Modified AGI and any applicable deductions.

The tool shows your exact deductibility status and the allowable deduction amount.

Free Self-Help Tool

Filing Status

Are you age 50 or older? Yes No

Retirement Plan Coverage I (or my spouse if filing jointly) am covered by a workplace retirement plan like a 401(k), 403(b) or a Defined Benefit Plan (DBP) No coverage

Adjusted Gross Income (AGI) IRS Form 1040, line 11 Student Loan Interest Schedule 1, line 20 Tuition & Fees Deduction Schedule 1, line 21 Foreign Earned Income Exclusion Form 2555, line 45 Tax-Exempt Interest Income Form 1040, line 2a Foreign Housing Exclusion Form 2555, line 46

Traditional IRADeductibility Checker

Traditional IRA
Deductibility Checker