-只要你们夫妻联合报税(Married Filing Jointly),即使一方没有收入,也可以开设和供款Roth IRA -2025年的供款上限是$7,000(50岁以上可以多存$1,000 catch-up) 当然,夫妻俩的总收入至少要等于两人的IRA供款总额正常情况下我给Alice 的基础建议应该是:把她先生每月的工资收入,先匀出一部分用于给两人各自的Roth I...
Filing Status2025 Single/Head of Household$150,000 - $165,000 Married Filing Jointly$236,000 - $246,000 Married Filing Separately$0 - $10,000 Beware of the 5-Year Rule One potential trap to be aware of is the so-called "five-year rule." You can withdraw regular Roth IRA contributions...
如果Alice和Bob在2023年12月31日前完成结婚手续,那么他们依照married filing jointly报税时MAGI达到了240k,超过了228k的上限,两人均不可以直接存Roth IRA。 再列举一些其他情形: 一次性费用,例如搬家费(非报销,而是直接给支票),sign on bonus 牛市,资产性收入暴涨(windfall) 退休账户之间的rollover,例如pre-tax 401...
theInternal Revenue Service (IRS), depending on your tax filing status. If your return is filed asmarried filing jointlyor as awidow/widower, then you will use $10,000 as the divisor. Visit the IRS website for more information or if you're filing as something other than married or ...
Married filing jointly $236,000 $246,000In a traditional IRA, income determines how much of your contribution you’re allowed to deduct. However, even if you make too much to qualify for any deduction, you’re still allowed to contribute up to the maximum limit set by the IRS each year...
Those married filing jointly must make less than $236,000. Above these limits, the contribution limit is decreased until it is phased out completely. While a direct contribution might not be possible, there are still ways to contribute to your Roth IRA as a high earner. 2025 Roth IRA ...
The amount you’re allowed to contribute to a Roth IRA in 2024 starts to phase out when your modified adjusted gross income hits $146,000 if you’re a single filer, or $230,000 if you’re married filing jointly. Here’s the breakdown, courtesy of the Internal Revenue Service: ...
Married filing jointly: Full contributions are allowed for MAGI less than $236,000. The contribution limit is phased out for MAGI $236,000 to $246,000. No contribution is allowed for MAGI above $246,000. Roth vs. traditional IRA: Which should you choose?
Married Filing Jointly (MAGI)Married Filing Separately (MAGI)Maximum Contribution for individuals under age 50Maximum Contribution for individuals age 50 and older under $150,00 under $236,000 $0 $7,000 $8,000 $151,500 $237,000 $1,000 ...
You file your taxes as Married Filing Jointly, or as a Qualifying Widower in 2024, your income needs to be below $116,000 for you to be able to fully deduct your contributions to a Traditional IRA. If your MAGI is between $123,000 – $143,000 then you are in the “phase-out” ra...