A separate IRA does not isolate your after-tax contribution. See which balances count, calculate the taxable conversion and carry forward unused basis with 2025 Form 8606 examples.
Backdoor Roth Pro-Rata Rule: Calculate the Taxable Amount Read More »
Your remaining regular contributions have no five-year wait. Conversions and earnings follow different rules. Compare the three layers, check the two clocks and see where a withdrawal goes with the allocation calculator.
Roth IRA 5-Year Rule: Which Withdrawals Can Trigger Tax? Read More »
Check your contribution year, workplace coverage, and Traditional IRA deduction MAGI. Compare 2026 income ranges, different results for spouses, and two contribution examples, then connect the nondeductible amount to Form 8606 and basis records.
Traditional IRA Deduction Limits: Income, Workplace Plans, and Partial Deductions Read More »
Your AGI may not be the income figure that decides Roth IRA eligibility. Use the calculator and three worked examples to see how conversions and deductions change your MAGI, then compare it with the 2026 income limits.
Roth IRA MAGI: Is Your Income Really Too High? Read More »
Check 2026 IRA contribution limits, calculate remaining room across Traditional and Roth accounts, and review compensation and separate eligibility rules.
IRA Contribution Limits for 2026: How Much Can You Contribute? Read More »
Compare the cash a 401(k) loan or withdrawal can provide, the payment your budget must support, and the plan terms that matter when leaving an employer.
401(k) Loan vs. Withdrawal: Taxes, Repayment, and Job-Loss Risk Read More »
A 401(k) vesting schedule determines how much employer money you keep if you leave a job. Compare cliff vs. graded vesting, confirm credited service, and calculate what could still be forfeited.
401(k) Vesting Schedule: What You Could Leave Behind When You Quit Read More »
Compare an old 401(k), a new employer plan, and an IRA before moving money. See the fee, tax, access, and rollover rules that can change the decision.
401(k) Rollover to IRA: Taxes, Fees, and When Not to Move the Money Read More »
Fill in your 2026 contribution amounts and work through employee deferral, annual-additions, catch-up, Roth catch-up, and employer-scope checks step by step.
401k Contribution Limits: Employee, Employer, and Catch-Up Rules Read More »
Qualified dividends can receive lower federal tax rates, but an amount in Form 1099-DIV Box 1b does not automatically settle the question. Box 1b is already included in Box 1a, and your own holding period can still change how much qualifies. Before looking at the 2026 tax-rate table, answer two questions first: was the dividend
Qualified Dividends: When You Get Lower Tax Rates (and When You Don’t) Read More »
