lly deductible. Tax year 0000 For an IRA contributor who is not covered by an employer plan and is married to someone who is covered, the deduction is phased out if their joint income is between $000,000-$000,000. If you're covered by an employer-sponsored retirement plan and your Adjusted Gross Income (AGI) is less than $00,000 (single filer or head of household) or less than $000,000 for joint filers. If your income is near these limits, your contributions may be only partially deductible. Tax year 0000 For an IRA contributor who is not covered by an employer plan and is married to someone who is covered, the deduction is phased out if their joint income is between $000,000-$000,000. If you're covered by an employer-sponsored retirement plan and your Adjusted Gross Income (AGI) is less than $00,000 (single filer or head of household) or less than $000,000 for joint filers. If your income is near these limits, your contributions may be only partially deductible. T