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 estimated deductibility status and the allowable deduction amount.

Free Self-Help Tool

Educational tool only. Results are hypothetical estimates based on your inputs and general assumptions. They are not personalized investment, tax, legal, or Social Security advice and do not create an advisory relationship. Actual results may differ materially. The tool estimates potential deductibility based on the inputs and assumptions shown. It is not tax advice and may not account for all facts on your tax return.

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