부부 합산 Income이 25만불이라고 가정하고 여쭤보겠습니다.
Roth IRA를 가입하려고 했더니, 2024년기준 부부합산 24만불이상이면 contribution 가능액이 $0이네요
(아래에 표 첨부하였습니다.)
현재 회사에 연결된 401K account를 가보았더니, Roth로 contribution하는 option이 있던데,
401K는 수입과 상관없이 Roth로 contribution 가능한가요?
2024년 401K limit이 23000불이던데, 인컴에 상관없이 401K roth로 23000불 모두 가능한것일까요?
Single Filers (MAGI) | Married Filing Jointly (MAGI) | Married Filing Separately (MAGI) | Maximum Contribution for individuals under age 50 | Maximum Contribution for individuals age 50 and older |
---|---|---|---|---|
under $146,000 | under $230,000 | $0 | $7,000 | $8,000 |
$147,500 | $231,000 | $0 | $6,300 | $7,200 |
$149,000 | $232,000 | $0 | $5,600 | $6,400 |
$150,500 | $233,000 | $0 | $4,900 | $5,600 |
$152,500 | $234,000 | $0 | $4,200 | $4,800 |
$153,500 | $235,000 | $0 | $3,500 | $4,000 |
$155,000 | $236,000 | $0 | $2,800 | $3,200 |
$156,500 | $237,000 | $0 | $2,100 | $2,400 |
$158,000 | $238,000 | $0 | $1,400 | $1,600 |
$159,500 | $239,000 | $0 | $700 | $800 |
$161,000 & over | $240,000 & over | $10,000 & over | $0 | $0 |