What salary can you not have an ira?

There are no income limits for traditional IRAs 1; however, there are income limits for tax-deductible contributions. There are income limits for Roth IRAs. No, there is no maximum income limit for a traditional IRA. Anyone can contribute to a traditional IRA, including those interested in buying physical gold in an IRA. While a Roth IRA has a strict income limit and people with incomes above it can't contribute at all, that rule doesn't apply to a traditional IRA.