IRA Deduction Calculator for 2025

Reviewed QuickTaxTools editorial review Updated April 25, 2026 and aligned to the sources linked below.

Tax year 2025 This page uses the federal or state scope called out in the methodology section.

Source set IRS, SSA, and official guidance Primary references are linked on-page and collected in the site sources library.

Methodology Source library

IRA inputs

Filing status

Modified AGI

Contribution planned

Age 50 or older?

You are covered by a workplace retirement plan

Your spouse is covered by a workplace retirement plan

Contribution limit

Contribution used

Deductible amount

Nondeductible amount

Phaseout range used-

Coverage rule applied-

Estimate only. IRS worksheets can require rounding rules and special handling not fully captured here.

What this page answers

This page helps you answer two practical questions: how much you can put into a traditional IRA for the year, and how much of that contribution is likely deductible on your federal return based on MAGI and workplace-plan coverage.

Methodology

How this calculator works

Start with the annual IRA contribution limit and any catch-up allowance based on age.
Check earned compensation and workplace-plan coverage because those drive whether the deduction phases out.
Apply the MAGI range used in Publication 590-A to show full, partial, or zero deductible contributions.

Worked example

Example scenario

A worker covered by a 401(k) can use this page to see how income affects a traditional IRA deduction. The tool shows when the deduction is full, partial, or fully phased out while still leaving room to plan the contribution itself.

Primary references

Direct sources for this page

IRS Publication 590-A

Traditional IRA contribution and deduction rules.

IRS Retirement plans overview

Official retirement-plan guidance hub.

IRS federal income tax rates and brackets

Useful when measuring the tax value of a deduction.

Reviewed with the site-wide editorial methodology and the full sources library.

Next step

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Frequently asked questions

Why does workplace retirement-plan coverage matter?

Traditional IRA deductions phase out when the taxpayer, or sometimes the spouse, is covered by a workplace retirement plan and income exceeds the IRS phaseout range.

Why can the deductible amount be smaller than my contribution?

You can contribute up to the annual IRA limit, but the deductible portion can phase down or disappear when MAGI exceeds the IRS range for your filing status and retirement-plan coverage.

Does this calculate Roth IRA eligibility?

No. This page focuses on traditional IRA contribution limits and deduction phaseouts only.