I have 2 diiferent IRA's. Can I take them both of my taxes up to the $6,000.00 deduction?

You can only put up to a certain limit each year into one or more IRAs. This total amount is independent of whether you split it between more than one IRA or not. What does affect the amount is your income and age.

The annual IRA contribution limits for most taxpayers in 2009 is $5000, while for taxpayers over the age of 50 is $6000. Either limit is the combined maximum for all IRAs. - quote - 2009 Combined Traditional and Roth IRA Contribution Limits: If you are under 50 years of age at the end of 2009: The maximum contribution that can be made to a traditional or Roth IRA is the smaller of $5,000 or the amount of your taxable compensation for 2009.

This limit can be split between a traditional IRA and a Roth IRA but the combined limit is $5,000. The maximum deductible contribution to a traditional IRA and the maximum contribution to a Roth IRA may be reduced depending on your modified adjusted gross income. If you are 50 years of age or older before 2010: The maximum contribution that can be made to a traditional or Roth IRA is the smaller of $6,000 or the amount of your taxable compensation for 2009.

This limit can be split between a traditional IRA and a Roth IRA but the combined limit is $6,000. The maximum deductible contribution to a traditional IRA and the maximum contribution to a Roth IRA may be reduced depending on your modified adjusted gross income. - end quote - The same page has links to resources showing the effect of your adjusted gross income (AGI) on your eligibility and on how much of the contribution to a conventional (i.e.

Non-Roth) IRA is deductible. For example, the limitations on contributing to a deductible IRA or a Roth IRA are as follows for the 2009 tax year: - quote - - The applicable dollar amount under Section 219(g)(3)(B)(i) for determining the deductible amount of an IRA contribution for taxpayers who are active participants filing a joint return or as a qualifying widow(er) is increased from $85,000 to $89,000. The applicable dollar amount under Section 219(g)(3)(B)(ii) for all other taxpayers (other than married taxpayers filing separate returns) is increased from $53,000 to $55,000.

The applicable dollar amount under Section 219(g)(7)(A) for a taxpayer who is not an active participant but whose spouse is an active participant is increased from $159,000 to $166,000. - The adjusted gross income limitation under Section 408A(c)(3)(C)(ii)(I) for determining the maximum Roth IRA contribution for married taxpayers filing a joint return or for taxpayers filing as a qualifying widow(er) is increased from $159,000 to $166,000. The adjusted gross income limitation under Section 408A(c)(3)(C)(ii)(II) for all other taxpayers (other than married taxpayers filing separate returns) is increased from $101,000 to $105,000.

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