Check how much of a Michigan traditional IRA contribution may be deductible.
2026-era federal traditional IRA limits ($7,000 under 50; $8,000 50+). If covered by a workplace plan, the deduction phases out above income thresholds. The optional Michigan state-tax saving uses an approximate state rate.
Deduction
Deductible = limit adjusted by plan coverage and income phase-out
Federal limits shown are reference values — verify the current IRS limits and your state rules.
Michigan treats IRA contributions like the federal rules. If (and only if) your contribution is federally deductible, it is generally deductible on state income tax too.
A non-deductible traditional IRA can still grow tax-deferred, or look at a Roth IRA / backdoor Roth.