📋 Your Profile & Strategy
📊 Analysis & Results
Recommended Strategy
Roth IRA
Based on your tax bracket, Roth offers the best after-tax value.
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Roth vs Traditional: After-Tax Value at Retirement
Roth IRA Value (Tax-Free)
$0
Traditional IRA (After-Tax)
$0
Roth Advantage
+$0
Balance Growth Projection (Recommended: Roth)
Total Contributions
$0
Investment Growth
$0
Final Balance
$0
Tax Impact Analysis
Current Tax Rate
0%
Est. Retirement Rate
0%
Annual Tax Savings (Trad)
$0
Lifetime Tax-Free Growth (Roth)
$0
Total Tax Bill (Trad IRA)
$0
Total Tax Bill (Roth IRA)
$0
2024-2025 IRA Contribution Limits & Your Eligibility
Standard Limit (Under 50)
$7,000
Catch-Up (Age 50+)
$1,000
Your Max Contribution
$0
Roth Eligibility (MAGI)
100%
Trad. Deduction
Fully Deductible
📋 2024-2025 IRA Rules (Updated):
- 2024 Limit: $7,000 (Under 50) / $8,000 (Age 50+)
- 2025 Limit (Est.): $7,500 (Under 50) / $8,500 (Age 50+)
- Roth MAGI Phaseout (2024, Single): Starts at $146,000
- Roth MAGI Phaseout (2024, MFJ): Starts at $230,000
- Traditional Deduction Phaseout (2024, Single w/ plan): Starts at $77,000
- Withdrawal Age (Penalty-Free): 59½
- RMD Age (Traditional IRA): 73
Year-by-Year Projection Schedule
| Age | Contribution | Growth | End Balance | Tax Rate |
|---|