April 15, 2026 is the last day to make 2025 IRA contributions. The 2026 limit is $7,000 ($8,000 if 50+). Roth income phase-out: $150K single, $236K married.
When to Choose Roth
If you expect higher taxes in retirement, or want tax-free withdrawals. Use the Roth vs Traditional Calculator.
When to Choose Traditional
If you need the tax deduction now and expect lower income in retirement.
The Backdoor Roth
If income exceeds Roth limits, contribute to Traditional IRA then convert. Watch for the pro-rata rule.
Roth Conversion Strategy
Use the Roth Conversion Calculator to see if converting makes sense. Build your retirement portfolio.
See our full 2026 IRA limits page. Read the detailed Roth vs Traditional comparison.
Track your IRA progress in Richify. App Store | Google Play
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