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Based on your filing status, if your modified AGI equals or falls below the above limitation and you meet all the other qualifications, your $2,000 contribution is fully allowable. If your modified AGI is above the limitations, no Roth IRA contribution is allowable. If you fall anywhere in between the limitations, your contribution will be gradually reduced (ask your tax advisor for the calculation or refer to IRS Publication 590).
Even if you're not a CPA, you can lower your taxes with effective tax planning. You don't need to know the intimate details of every tax rule or regulation. But it is important to take the time to get educated about what tax reducing options are available to you and act upon them timely…because there is no reason Uncle Sam should get more than his fair share.
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