Many IRA and retirement plan limits are indexed for inflation each year. Several of these key numbers have increased once again for 2024.

你可以在个人退休账户里存多少钱?

The maximum amount you can contribute to a traditional IRA or a Roth IRA in 2024 will be $7,000美元(或100%的收入), 如果更少), 从6美元开始,500 in 2023. The maximum catch-up contribution for those age 50 or older remains $1,000. You can contribute to both a traditional IRA and a Roth IRA in 2024, but your total contributions cannot exceed these annual limits.

你可以扣除你传统的IRA供款吗?

如果你(或者你结婚了), both you and your spouse) 不 covered by a work-based retirement plan, your contributions to a traditional IRA are generally fully tax deductible.

如果你结婚了, 共同申请, and you're not covered by an employer plan but your spouse is, you may generally claim a full deduction if your modified adjusted gross income (MAGI) is $230,000或更少(从

2023年不超过21.8万美元). 如果您的MAGI在230美元之间，您的扣除额是有限的,000元及240元,2000美元(原价218美元),000元及228元,如果你的MAGI是240美元，就可以取消,2000美元或更多(原价228美元),000 in 2023).

For those who are covered by an employer plan, deductibility depends on income and filing status. 如果你的申请身份是单身或一家之主, you can fully deduct your IRA contribution in 2024 if your MAGI is $77,000美元或更少(原价73美元),000 in 2023). 如果你结婚了，并且要共同报税, you can fully deduct your contribution if your MAGI is $123,1,000美元或更少(原价116美元),000 in 2023). For taxpayers earning more than these thresholds, the following phaseout limits apply.

你能向罗斯个人退休账户存钱吗?

The income limits for determining whether you can contribute to a Roth IRA will also increase in 2024. 如果你的申请身份是单身或一家之主, 你可以捐出全部的7美元,000 ($8,000 if you are age 50 or older) to a Roth IRA if your MAGI is $146,000美元或更少(原价138美元),000 in 2023). 如果你们结婚了，要共同报税, 如果你的MAGI是$230，你可以全额供款,1000美元或更少(原价218美元),000 in 2023). For taxpayers earning more than these thresholds, the following phaseout limits apply.

以工作为基础的计划能节省多少钱?

If you participate in an employer-sponsored retirement plan, you may be pleased to learn that you can save even more in 2024. The maximum amount you can contribute (your "elective deferrals") to a 401(k) plan will increase to $23,到2024年，这一数字将从22万美元上升到1000万美元,500 in 2023). This limit also applies to 403(b) and 457(b) plans, as well as the Federal Thrift Savings Plan. 如果你的年龄在50岁以上, 你也可以补交最高7美元的捐款,2024年将增加500个(与2023年持平). [Special catch-up limits apply to certain participants in 403(b) and 457(b) plans.]

The amount you can contribute to a SIMPLE IRA or SIMPLE 401(k) will increase to $16,到2024年，这一数字将从现在的15美元上升到1000美元,500 in 2023), and the catch-up limit for those age 50 or older remains $3,500. (请注意，这是在2024年, new rules take effect that permit certain small employers to allow additional contributions.)

注意: 捐款不能超过你收入的100%.

如果你参加一个以上的退休计划, your total elective deferrals can't exceed the annual limit ($23,在2024年再加上任何适用的补缴供款). 推迟401(k)计划, 403 (b)的计划, 和SIMPLE计划包含在此总限制中, 但第457(b)条计划的延期却不是. 例如, if you participate in both a 403(b) plan and a 457(b) plan, you can save the full amount in each plan — a total of $46,2024年将达到1000万美元(加上任何补缴的捐款).

The maximum amount that can be allocated to your account in a defined contribution plan [for example, 2024年的401(k)计划(或利润分享计划)是69美元,2000美元(原价66美元),(2023年为10,000美元)加上50岁或以上的补缴金. This includes both your contributions and your employer's contributions. Special rules apply if your employer sponsors more than one retirement plan.

最后, the maximum amount of compensation that can be taken into account in determining benefits for most plans in 2024 is $345,000美元(原价330美元),000 in 2023), and the dollar threshold for determining highly compensated employees (when 2024 is the look-back year) increases to $155,000美元(原价150美元),当2023年是回望年的时候，是1000年).

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重要的信息披露

Content in this material is for general information only and not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.

The information provided is not intended to be a substitute for specific individualized tax planning or legal advice. We suggest that you consult with a qualified tax or legal professional.

LPL Financial Representatives offer access to Trust Services through The Private Trust Company N.A.是LPL Financial的子公司.

本文由Broadridge编写.

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