Traditional IRA deduction income limits for 2018 and 2019

Filing statusFull deduction if modified AGI is ... Partial deduction if modified AGI is ...No deduction if modified AGI is ...
Married filing jointly and you're covered by retirement plan at work2018: $101,000 or less
2019: $103,000 or less
2018: More than $101,000 but less than $121,000
2019: More than $103,000 but less than $123,000
2018: $121,000 or more
2019: $123,000 or more
Married filing jointly and your spouse is covered by a retirement plan at work 2018: $189,000 or less
2019: $193,000 or less
2018: More than $189,000 but less than $199,000
2019: More than $193,000 but less than $203,000
2018: $199,000 or more
2019: $203,000 or more
Single or head of household and you are covered by a retirement plan at work2018: $63,000 or less
2019: $64,000 or less
2018: More than $63,000 but less than $73,000
2019: More than $64,000 but less than $74,000
2018: $73,000 or more
2019: $74,000 or more
Married filing separately and you or your spouse is covered by a retirement plan at work2018: Not available
2019: Not available
2018: Less than $10,000
2019: Less than $10,000
2018: $10,000 or more
2019: $10,000 or more