What if neither of us has a workplace plan?

Then your traditional IRA contribution is fully deductible at any income.

What is the 2026 IRA limit?

$7,500, or $8,600 if you're 50 or older.

Why is my deduction rounded?

IRS rules round the reduced limit up to the next $10 and allow at least $200 while you're inside the phase-out range.

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Tax & Payroll

Traditional IRA Deduction Calculator (2026)

Find how much of your 2026 traditional IRA contribution is deductible if you or your spouse has a workplace plan.

Tax & Payroll

Preparing your result…

What this calculator does

Shows deductible traditional IRA amount.

What your result means

Deductible contribution after phase-out.

Formula

Deductible = limit × (1 − (MAGI − phase-out start) ÷ range), rounded up to $10 (minimum $200 inside the range)

The step-by-step working for your own numbers appears with the result above and in the PDF report.

Frequently asked questions

Symbols and assumptions

MAGI: Modified AGI

• 2026 phase-out ranges; $10 rounding and $200 minimum.

Sources and review

Reviewed 2026-09-23 · Next review 2027-01-15

Notice 2025-67 — 2026 amounts relating to retirement plans and IRAsInternal Revenue Service · Tax year 2026 Publication 590-A — Contributions to IRAs (reduced limit worksheets)Internal Revenue Service · Current 26 U.S.C. § 219 — Retirement savingsLegal Information Institute, Cornell Law School (US Code) · Current code incl. P.L. 119-21

• Compensation limit not checked.
• Rules change annually.
• Educational estimate, not tax advice.

Important limitation

This is an educational estimate based only on the values and formula shown. Verify current rates, rules, units, and professional standards before relying on the result. It is not personalized financial or investment advice.

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