If your AGI is above the limits defined by the IRS, you cannot deduct Traditional IRA contributions.

What if deduction of the Traditional IRA contributions would reduce the AGI just under the limit?

Basically: checking AGI limit comes first, or Deduction comes first?

1 Answer 1


Your eligibility is determined by calculating your modified adjusted gross income (MAGI) without the IRA deduction. The details of the MAGI calculation are available from the IRS here.

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