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IRA contributions can be before or after tax. Deductibility of your IRA contribution depends on a few facts. Do you (or your spouse) have a retirement plan offered to you through your employer? If neither of you do, usually your entire contribution is deductible. If one, or both, of you do you fall onto a “Sliding Scale” based on your income. Anyone Married filing separately who makes over $10,000 cannot deduct any IRA contribution. For more information on the current year deductability rules, see our pages on the various types of tax-deductible IRAs:

For nearly four decades, systematic contributions to IRAs has been consistent part of Americans’ toolkit for retirement planning in the future and tax mitigation in the present.

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