There are many different considerations that affect one’s ability to contribute to a Traditional IRA. To make matters worse, the contribution limits usually change from one year to the next.
The ”Can I Make A Deductible IRA Contribution” flowchart addresses common issues regarding eligibility rules for Traditional and Roth IRAs:
Earned income phase-out ranges for 2018
Contributions after age 70.5
Single vs Married Filing Jointly
Impact of contributing to a Traditional IRA in the same year
Updated for 2019