Dumb withholding calculator question

[rubybeth]

So I'm using the IRS withholding calculator (http://www.irs.gov/Individuals/IRS-Withholding-Calculator) to estimate future paychecks once DH graduates in a year, but I'm confused by two sections:"Other credits" and "adjustments." Both of them list IRA as options. If I'm married filing jointly and we max out our t-IRAs, where do I put that $11,000 to estimate our tax liability? Is it considered a "credit" or "deduction"?

If I run it as a credit, we owe no tax. If I run it as an adjustment, we owe over $4,000.

[MDM]

So I'm using the IRS withholding calculator (http://www.irs.gov/Individuals/IRS-Withholding-Calculator) to estimate future paychecks once DH graduates in a year, but I'm confused by two sections:"Other credits" and "adjustments." Both of them list IRA as options. If I'm married filing jointly and we max out our t-IRAs, where do I put that $11,000 to estimate our tax liability? Is it considered a "credit" or "deduction"?

If I run it as a credit, we owe no tax. If I run it as an adjustment, we owe over $4,000.

Traditional IRA amounts are deductions, not credits.