MONEY · RETIREMENT

Roth IRA vs Traditional IRA

The 2026 numbers, and which one fits you.

U.S. Treasury / public domain

ENTRY 01 · RETIREMENT

$7,500

THE 2026 LIMIT

Across all your IRAs combined. $8,600 if you are 50 or older.

U.S. Treasury / public domain

ENTRY 02 · RETIREMENT

Tax now

ROTH IRA

You contribute after-tax money. Qualified withdrawals in retirement are tax-free.

U.S. Treasury / public domain

ENTRY 03 · RETIREMENT

Tax later

TRADITIONAL IRA

You may get a deduction now. Withdrawals are taxed as ordinary income.

U.S. Treasury / public domain

ENTRY 04 · RETIREMENT

$168,000

ROTH INCOME LIMIT

Single filers phase out between $153,000 and $168,000. Married filing jointly: $242,000 to $252,000.

U.S. Treasury / public domain

ENTRY 05 · RETIREMENT

Split it

NOT SURE?

You can fund both, as long as the total stays within the limit.

U.S. Treasury / public domain

FINAL ENTRY

Pick the tax break that fits you.

The full guide: both IRAs side by side, income limits and how to open one.

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Photo: U.S. Treasury / public domain. Facts checked against official sources. Not financial or legal advice.