There is no income limit for contributing to a traditional IRA. However, your ability to deduct your traditional IRA contributions may be limited or phased out based on your modified adjusted gross income (MAGI) and whether you or your spouse is covered by an employer-sponsored retirement plan. For 2025, if you are covered by a retirement plan at work, the deduction for traditional IRA contributions is phased out for single filers with MAGI between $73,000 and $83,000, and for married couples filing jointly with MAGI between $116,000 and $136,000 (Revenue Procedure 2024-40).
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