Traditional IRA income limits for 2019 and 2018

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 work2019: $103,000 or less

2018: $101,000 or less
2019: More than $103,000 but less than $123,000

2018: More than $101,000 but less than $121,000
2019: $123,000 or more

2018: $121,000 or more
Married filing jointly and your spouse is covered by a retirement plan at work 2019: $193,000 or less

2018: $189,000 or less
2019: More than $193,000 but less than $203,000

2018: More than $189,000 but less than $199,000
2019: $203,000 or more

2018: $199,000 or more
Single or head of household and you are covered by a retirement plan at work2019: $64,000 or less

2018: $63,000 or less
2019: More than $64,000 but less than $74,000

2018: More than $63,000 but less than $73,000
2019: $74,000 or more

2018: $73,000 or more
Married filing separately and you or your spouse is covered by a retirement plan at work2019: A full deduction is unavailable

2018: A full deduction is unavailable
2019: Less than $10,000

2018: Less than $10,000
2019: $10,000 or more

2018: $10,000 or more