2012 IRA deduction limit if you have retirement plan at Work
2012 IRA Contribution and Deduction Limits - Effect of Modified AGI on Deductible Contributions If You ARE Covered by a Retirement Plan at Work
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If you are covered by a retirement plan at work, use this table to determine if your modified AGI affects the amount of your deduction.
If Your Filing Status Is...
| And Your Modified AGI Is... | Then You Can Take... |
single or head of household |
$58,000 or less
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a full deduction up to the amount of your contribution limit.
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more than $58,000 but less than $68,000
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a partial deduction.
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$68,000 or more
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no deduction.
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married filing jointly or qualifying widow(er) |
$92,000 or less
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a full deduction up to the amount of your contribution limit.
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more than $92,000 but less than $112,000
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a partial deduction.
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$112,000 or more
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no deduction.
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married filing separately |
less than $10,000
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a partial deduction .
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$10,000 or more
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no deduction.
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If you file separately and did not live with your spouse at any time during the year, your IRA deduction is determined under the "single" filing status. |
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2012 IRA deduction limit if you have retirement plan at Work