[婚后上限并不是两倍]Alice和Bob在2023年的收入(adjusted gross income, AGI)为120k。两人若以single status报税,MAGI(在AGI基础上稍作调整)均小于138k,可以以直接存入的方式(regular contribution)存满2023年Roth IRA的6.5k限额。 如果两人选择结婚情形就不同了。根据Sec. 7703(a)(1),若某人在12月31日是已婚...
選Roth IRA:若處於職業早期(當前稅率低)、預計稅率上升(如未來升職、稅改),或希望鎖定當前低稅率(如2025年後Trump Tax Cuts可能到期,部分稅率回調)。 收入限制(2023年) Traditional IRA: 若參與僱主退休計劃(如401k),稅務抵扣受MAGI限制(單身73k−73k−83k,夫妻聯合116k−116k−136k)。
Roth IRA contributions are made on an after-tax basis or through a 529 rollover starting in 2024. However, keep in mind that your eligibility to contribute to a Roth IRA is based on your income level. For single filers, in 2024 your Modified Adjusted Gross Income (MAGI) must be under $...
人们可以在2021年赚取1,000美元以上的收入(夫妇为2,000美元),并有资格为罗斯IRA供款。若纳税人“调整后的收入”(Adjusted Gross Income AGI)在规定范围内,便可开设罗斯IRA,并存入相应的金额。2021年收入和供款限额的概要:个人收入在$125,000以下,即可存入Rot...
Roth IRAs don’t come with Required Minimum Distributions (RMDs) at age 73 like a traditional IRA either, so you can continue letting your money grow until you’re ready to access it.When you do decide to take distributions from a Roth IRA, you won’t have to pay income taxes on that...
***2023 Roth IRA Contribution大幅提升*** 50岁以下的人可存至$6,500/年,50岁以上的人可存至$7,500/年。如果您计划在2023年把钱投进Roth IRA,个人年收入必须低于153,000美元,夫妇联合报税必须低于228,000美元,高于2022年的144,000美元(夫妇联合报税为...
You contributed $6,500 to a Roth IRA for 2023 in 2023. You realized that your income was too high when you did your 2023 taxes in 2024. You recharacterized the Roth contribution for 2023 as a Traditional contribution before April 15, 2024. The IRA custodian moved $6,600 from your Roth...
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2023 Roth IRA Income Limits Filing Status2023 Modified AGIContribution Limit Married filing jointly or qualifying widow(er)Less than $218,000$6,500 ($7,500 if you’re age 50 or older) $218,000 to $228,000Reduced $228,000 or moreNot eligible ...
Not everyone can contribute to a Roth IRA since the IRS places income limitations on these accounts. Every year, the IRS publishes the phase-out ranges for contributing. These income limits are based on yourmodified adjusted gross income (MAGI)and tax-filing status. If you're in the phase-o...