| TRADITIONAL IRA | ROTH IRA | |
| Contribution Limits | Under age 50 – $5,000 Over age 50 – $6,000 | Under age 50 – $5,000 Over age 50 -$6,000 However, contribution max is phased out based on your Modified Adjusted Gross Income (MAGI) & tax filing status. |
| Contribution Deadline | April 15 (The individual tax filing deadline, not including extensions) and you are under age 70 ½ | April 15 (The individual tax filing deadline, not including extensions) |
| Tax Deductible | Yes (in most instances) | No |
| Growth/Earnings | Tax-deferred until withdrawal | Tax-free growth |
| Required Minimum Distribution (RMD) | Yes | No |
| Mandatory Withdrawal Age | 70 ½ | None |
| Distributions | Taxed as ordinary income at the time of withdrawals. | Money is not taxed at time of withdrawal (If certain conditions are met.) |
Be sure to consult your tax professional to determine which IRA best suits your individual needs.
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