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2026 IRA Deduction Calculator
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Income limits sourced from IRS.gov. Results are estimates and do not constitute tax advice.
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Reference
2026 Traditional IRA Deduction Phase-Out Ranges
Phase-out applies only if you (or your spouse) are covered by a workplace plan.
| Situation | Full deduction below | Phase-out range | No deduction above |
|---|---|---|---|
| Not covered by any workplace plan | No limit | — | — |
| Single / HoH — covered by workplace plan | $81,000 | $81K – $91K | $91,000 |
| MFJ — contributing spouse covered | $129,000 | $129K – $149K | $149,000 |
| MFJ — you're not covered, spouse is covered | $242,000 | $242K – $252K | $252,000 |
| Married Filing Separately — covered by plan | $0 | $0 – $10K | $10,000 |
Non-deductible contributions still grow tax-deferred. Track your basis on IRS Form 8606 to avoid double taxation on withdrawal. Full 2026 IRA limits →
FAQ
Common Questions
What does "covered by a workplace plan" mean?
You are considered "covered" if you participate in any employer-sponsored plan at any point during the year — including a 401(k), 403(b), 457(b), SEP IRA, SIMPLE IRA, or pension. Even if you made zero contributions, if you're eligible to participate, you're considered covered. Your W-2 box 12 or the "Retirement plan" checkbox in box 13 confirms coverage.
Can I still contribute to a Traditional IRA if I earn too much for a deduction?
Yes — there is no income limit on Traditional IRA contributions, only on the deductibility. If your income is too high for a deduction, you can still make a non-deductible Traditional IRA contribution and potentially convert it to a Roth (backdoor Roth strategy). Be sure to file Form 8606 to record your non-deductible basis.
Can I have both a 401(k) and a Traditional IRA?
Yes. You can contribute to both a 401(k) and a Traditional IRA in the same year. The deductibility of your IRA contribution depends on your income if you (or your spouse) are covered by the workplace plan. The contribution limits for each are completely independent.
Traditional IRA vs Roth IRA — which is better?
If your IRA contribution is deductible, a Traditional IRA gives you an immediate tax break now, with taxes paid on withdrawal. A Roth IRA gives no deduction now but tax-free withdrawals in retirement. Generally: if you expect to be in a lower tax bracket in retirement, Traditional is better; if you expect a higher bracket, Roth is better. Full comparison →