Compare Roth IRA and Traditional IRA side by side. Understand tax advantages, contribution limits, withdrawal rules, and which account best fits your retirement strategy.
Use our free Retirement Calculator to analyze your own situation and make the best decision.
Yes, you can contribute to both in the same year, but your combined contributions cannot exceed the annual limit ($7,000 in 2026, or $8,000 if you are 50 or older). Splitting contributions lets you diversify your tax exposure in retirement.
For 2026, single filers with a modified adjusted gross income above $161,000 cannot contribute directly to a Roth IRA. Married couples filing jointly face a phase-out starting at $240,000. A backdoor Roth conversion may still be available.
A Traditional IRA is generally better if you expect to be in a lower tax bracket in retirement, want an upfront tax deduction now, or exceed Roth income limits. If your employer plan does not offer a match, the deductible Traditional IRA can still reduce your current tax bill.
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