Personal Finance
Sunday, 7/5, 04:37 AM
401(k) vs IRA vs Roth: The Main US Retirement Accounts Explained
- Most Americans save for retirement through accounts known by three-letter names: the 401(k), the IRA, and their Roth versions.
- They differ in who offers them, how much you can put in, and, above all, when you pay tax.
- Here is how each works, with the 2026 IRS limits.