Suppose that $A$ is a (commutative unital) ring, and suppose that $I$ is an ideal of $A$. If $J(R)$ denotes the Jacobson radical of a ring $R$, then for $S= 1+ I$ we have $S^{-1}J(A)\subseteq J(S^{-1}A)$. The (usual?) proof of this relies on $AI$ being contained in $I$.
Is there an alternative proof not relying on this fact, so that we can relax the statement and only assume that $I$ is a subring of $A$?