Roth IRA가 Income base로 알고 있는데 넣고 보니 올해 인컴이 더 높았다.. 이렇게 되면 어떻게 해야 되는 건가요?
메가 백도어를 공부해야 하는 건가요?
예를 들어 올해 MAGI 가 Married Filing Jointly 기준 198K 인줄 알았는데 나중에 보니 207K 였다면 어떻게 되는 건가요?
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 $125,000 | under $198,000 | $0 | $6,000 | $7,000 |
$126,500 | $199,000 | $1,000 | $5,400 | $6,300 |
$128,000 | $200,000 | $2,000 | $4,800 | $5,600 |
$129,500 | $201,000 | $3,000 | $4,200 | $4,900 |
$131,000 | $202,000 | $4,000 | $3,600 | $4,200 |
$132,500 | $203,000 | $5,000 | $3,000 | $3,500 |
$134,000 | $204,000 | $6,000 | $2,400 | $2,800 |
$135,500 | $205,000 | $7,000 | $1,800 | $2,100 |
$137,000 | $206,000 | $8,000 | $1,200 | $1,400 |
$138,500 | $207,000 | $9,000 | $600 | $700 |
$140,000 & over | $208,000 & over | $10,000 & over | $0 | $0 |