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H&r block advantage e file Publication 590 - Introductory Material Table of Contents What's New for 2013 What's New for 2014 Reminders IntroductionOrdering forms and publications. H&r block advantage e file Tax questions. H&r block advantage e file Useful Items - You may want to see: Note. H&r block advantage e file After 2013, Publication 590 will be split into two separate publications as follows. H&r block advantage e file Publication 590-A, will focus on contributions to traditional IRAs as well as Roth IRAs. H&r block advantage e file This publication will include the rules for rollover and conversion contributions. H&r block advantage e file Publication 590-B, will focus on distributions from traditional IRAs as well as Roth IRAs. H&r block advantage e file This publication will include the rules for required minimum distributions and IRA beneficiaries. H&r block advantage e file What's New for 2013 Traditional IRA contribution and deduction limit. H&r block advantage e file  The contribution limit to your traditional IRA for 2013 will be increased to the smaller of the following amounts: $5,500, or Your taxable compensation for the year. H&r block advantage e file If you were age 50 or older before 2014, the most that can be contributed to your traditional IRA for 2013 will be the smaller of the following amounts: $6,500, or Your taxable compensation for the year. H&r block advantage e file For more information, see How Much Can Be Contributed? in chapter 1. H&r block advantage e file Roth IRA contribution limit. H&r block advantage e file  If contributions on your behalf are made only to Roth IRAs, your contribution limit for 2013 will generally be the lesser of: $5,500, or Your taxable compensation for the year. H&r block advantage e file If you were age 50 or older before 2014 and contributions on your behalf were made only to Roth IRAs, your contribution limit for 2013 will generally be the lesser of: $6,500, or Your taxable compensation for the year. H&r block advantage e file However, if your modified adjusted gross income (AGI) is above a certain amount, your contribution limit may be reduced. H&r block advantage e file For more information, see How Much Can Be Contributed? under Can You Contribute to a Roth IRA? in chapter 2. H&r block advantage e file Modified AGI limit for traditional IRA contributions increased. H&r block advantage e file  For 2013, if you were covered by a retirement plan at work, your deduction for contributions to a traditional IRA is reduced (phased out) if your modified AGI is: More than $95,000 but less than $115,000 for a married couple filing a joint return or a qualifying widow(er), More than $59,000 but less than $69,000 for a single individual or head of household, or Less than $10,000 for a married individual filing a separate return. H&r block advantage e file If you either lived with your spouse or file a joint return, and your spouse was covered by a retirement plan at work, but you were not, your deduction is phased out if your modified AGI is more than $178,000 but less than $188,000. H&r block advantage e file If your modified AGI is $188,000 or more, you cannot take a deduction for contributions to a traditional IRA. H&r block advantage e file See How Much Can You Deduct? in chapter 1. H&r block advantage e file Modified AGI limit for Roth IRA contributions increased. H&r block advantage e file  For 2013, your Roth IRA contribution limit is reduced (phased out) in the following situations. H&r block advantage e file Your filing status is married filing jointly or qualifying widow(er) and your modified AGI is at least $178,000. H&r block advantage e file You cannot make a Roth IRA contribution if your modified AGI is $188,000 or more. H&r block advantage e file Your filing status is single, head of household, or married filing separately and you did not live with your spouse at any time in 2013 and your modified AGI is at least $112,000. H&r block advantage e file You cannot make a Roth IRA contribution if your modified AGI is $127,000 or more. H&r block advantage e file Your filing status is married filing separately, you lived with your spouse at any time during the year, and your modified AGI is more than -0-. H&r block advantage e file You cannot make a Roth IRA contribution if your modified AGI is $10,000 or more. H&r block advantage e file See Can You Contribute to a Roth IRA? in chapter 2. H&r block advantage e file Net Investment Income Tax. H&r block advantage e file  For purposes of the Net Investment Income Tax (NIIT), net investment income does not include distributions from a qualified retirement plan (for example, 401(a), 403(a), 403(b), 457(b) plans, and IRAs). H&r block advantage e file However, these distributions are taken into account when determining the modified adjusted gross income threshold. H&r block advantage e file Distributions from a nonqualified retirement plan are included in net investment income. H&r block advantage e file See Form 8960, Net Investment Income Tax—Individuals, Estates, and Trusts, and its instructions for more information. H&r block advantage e file Kay Bailey Hutchison Spousal IRA. H&r block advantage e file . H&r block advantage e file  In 2013, spousal IRAs were renamed to Kay Bailey Hutchison Spousal IRAs. H&r block advantage e file There are no changes to the rules regarding these IRAs. H&r block advantage e file See Kay Bailey Hutchison Spousal IRA Limit in chapter 1 for more information. H&r block advantage e file What's New for 2014 Modified AGI limit for traditional IRA contributions increased. H&r block advantage e file  For 2014, if you are covered by a retirement plan at work, your deduction for contributions to a traditional IRA is reduced (phased out) if your modified AGI is: More than $96,000 but less than $116,000 for a married couple filing a joint return or a qualifying widow(er), More than $60,000 but less than $70,000 for a single individual or head of household, or Less than $10,000 for a married individual filing a separate return. H&r block advantage e file If you either live with your spouse or file a joint return, and your spouse is covered by a retirement plan at work, but you are not, your deduction is phased out if your modified AGI is more than $181,000 but less than $191,000. H&r block advantage e file If your modified AGI is $191,000 or more, you cannot take a deduction for contributions to a traditional IRA. H&r block advantage e file Modified AGI limit for Roth IRA contributions increased. H&r block advantage e file  For 2014, your Roth IRA contribution limit is reduced (phased out) in the following situations. H&r block advantage e file Your filing status is married filing jointly or qualifying widow(er) and your modified AGI is at least $181,000. H&r block advantage e file You cannot make a Roth IRA contribution if your modified AGI is $191,000 or more. H&r block advantage e file Your filing status is single, head of household, or married filing separately and you did not live with your spouse at any time in 2014 and your modified AGI is at least $114,000. H&r block advantage e file You cannot make a Roth IRA contribution if your modified AGI is $129,000 or more. H&r block advantage e file Your filing status is married filing separately, you lived with your spouse at any time during the year, and your modified AGI is more than -0-. H&r block advantage e file You cannot make a Roth IRA contribution if your modified AGI is $10,000 or more. H&r block advantage e file Reminders Future developments. H&r block advantage e file  For the latest information about developments related to Publication 590, such as legislation enacted after it was published, go to www. H&r block advantage e file irs. H&r block advantage e file gov/pub590. H&r block advantage e file Simplified employee pension (SEP). H&r block advantage e file  SEP IRAs are not covered in this publication. H&r block advantage e file They are covered in Publication 560, Retirement Plans for Small Business. H&r block advantage e file Deemed IRAs. H&r block advantage e file  A qualified employer plan (retirement plan) can maintain a separate account or annuity under the plan (a deemed IRA) to receive voluntary employee contributions. H&r block advantage e file If the separate account or annuity otherwise meets the requirements of an IRA, it will be subject only to IRA rules. H&r block advantage e file An employee's account can be treated as a traditional IRA or a Roth IRA. H&r block advantage e file For this purpose, a “qualified employer plan” includes: A qualified pension, profit-sharing, or stock bonus plan (section 401(a) plan), A qualified employee annuity plan (section 403(a) plan), A tax-sheltered annuity plan (section 403(b) plan), and A deferred compensation plan (section 457 plan) maintained by a state, a political subdivision of a state, or an agency or instrumentality of a state or political subdivision of a state. H&r block advantage e file Contributions to both traditional and Roth IRAs. H&r block advantage e file  For information on your combined contribution limit if you contribute to both traditional and Roth IRAs, see Roth IRAs and traditional IRAs under How Much Can Be Contributed? in chapter 2. H&r block advantage e file Statement of required minimum distribution (RMD). H&r block advantage e file  If an RMD is required from your IRA, the trustee, custodian, or issuer that held the IRA at the end of the preceding year must either report the amount of the RMD to you, or offer to calculate it for you. H&r block advantage e file The report or offer must include the date by which the amount must be distributed. H&r block advantage e file The report is due January 31 of the year in which the minimum distribution is required. H&r block advantage e file It can be provided with the year-end fair market value statement that you normally get each year. H&r block advantage e file No report is required for section 403(b) contracts (generally tax-sheltered annuities) or for IRAs of owners who have died. H&r block advantage e file IRA interest. H&r block advantage e file  Although interest earned from your IRA is generally not taxed in the year earned, it is not tax-exempt interest. H&r block advantage e file Tax on your traditional IRA is generally deferred until you take a distribution. H&r block advantage e file Do not report this interest on your return as tax-exempt interest. H&r block advantage e file For more information on tax-exempt interest, see the instructions for your tax return. H&r block advantage e file Photographs of missing children. H&r block advantage e file  The Internal Revenue Service is a proud partner with the National Center for Missing and Exploited Children. H&r block advantage e file Photographs of missing children selected by the Center may appear in this publication on pages that would otherwise be blank. H&r block advantage e file You can help bring these children home by looking at the photographs and calling 1-800-THE-LOST (1-800-843-5678) if you recognize a child. H&r block advantage e file Introduction This publication discusses individual retirement arrangements (IRAs). H&r block advantage e file An IRA is a personal savings plan that gives you tax advantages for setting aside money for retirement. H&r block advantage e file What are some tax advantages of an IRA?   Two tax advantages of an IRA are that: Contributions you make to an IRA may be fully or partially deductible, depending on which type of IRA you have and on your circumstances, and Generally, amounts in your IRA (including earnings and gains) are not taxed until distributed. H&r block advantage e file In some cases, amounts are not taxed at all if distributed according to the rules. H&r block advantage e file What's in this publication?   This publication discusses traditional, Roth, and SIMPLE IRAs. H&r block advantage e file It explains the rules for: Setting up an IRA, Contributing to an IRA, Transferring money or property to and from an IRA, Handling an inherited IRA, Receiving distributions (making withdrawals) from an IRA, and Taking a credit for contributions to an IRA. H&r block advantage e file   It also explains the penalties and additional taxes that apply when the rules are not followed. H&r block advantage e file To assist you in complying with the tax rules for IRAs, this publication contains worksheets, sample forms, and tables, which can be found throughout the publication and in the appendices at the back of the publication. H&r block advantage e file How to use this publication. H&r block advantage e file   The rules that you must follow depend on which type of IRA you have. H&r block advantage e file Use Table I-1 to help you determine which parts of this publication to read. H&r block advantage e file Also use Table I-1 if you were referred to this publication from instructions to a form. H&r block advantage e file Comments and suggestions. H&r block advantage e file   We welcome your comments about this publication and your suggestions for future editions. H&r block advantage e file   You can write to us at the following address: Internal Revenue Service Tax Forms and Publications Division 1111 Constitution Ave. H&r block advantage e file NW, IR-6526 Washington, DC 20224   We respond to many letters by telephone. H&r block advantage e file Therefore, it would be helpful if you would include your daytime phone number, including the area code, in your correspondence. H&r block advantage e file   You can send your comments from www. H&r block advantage e file irs. H&r block advantage e file gov/formspubs/. H&r block advantage e file Click on “More Information” and then on “Comment on Tax Forms and Publications”. H&r block advantage e file   Although we cannot respond individually to each comment received, we do appreciate your feedback and will consider your comments as we revise our tax products. H&r block advantage e file Ordering forms and publications. H&r block advantage e file   Visit www. H&r block advantage e file irs. H&r block advantage e file gov/formspubs/ to download forms and publications, call 1-800-TAX-FORM (1-800-829-3676), or write to the address below and receive a response within 10 days after your request is received. H&r block advantage e file Internal Revenue Service 1201 N. H&r block advantage e file Mitsubishi Motorway Bloomington, IL 61705-6613 Tax questions. H&r block advantage e file   If you have a tax question, check the information available on IRS. H&r block advantage e file gov or call 1-800-829-1040. H&r block advantage e file We cannot answer tax questions sent to either of the above addresses. H&r block advantage e file Useful Items - You may want to see: Publications 560 Retirement Plans for Small Business (SEP, SIMPLE, and Qualified Plans) 571 Tax-Sheltered Annuity Plans (403(b) Plans) 575 Pension and Annuity Income 939 General Rule for Pensions and Annuities Forms (and instructions) W-4P Withholding Certificate for Pension or Annuity Payments 1099-R Distributions From Pensions, Annuities, Retirement or Profit-Sharing Plans, IRAs, Insurance Contracts, etc. H&r block advantage e file 5304-SIMPLE Savings Incentive Match Plan for Employees of Small Employers (SIMPLE)–Not for Use With a Designated Financial Institution 5305-S SIMPLE Individual Retirement Trust Account 5305-SA SIMPLE Individual Retirement Custodial Account 5305-SIMPLE Savings Incentive Match Plan for Employees of Small Employers (SIMPLE)–for Use With a Designated Financial Institution 5329 Additional Taxes on Qualified Plans (Including IRAs) and Other Tax-Favored Accounts 5498 IRA Contribution Information 8606 Nondeductible IRAs 8815 Exclusion of Interest From Series EE and I U. H&r block advantage e file S. H&r block advantage e file Savings Bonds Issued After 1989 8839 Qualified Adoption Expenses 8880 Credit for Qualified Retirement Savings Contributions See chapter 5 for information about getting these publications and forms. H&r block advantage e file Table I-1. H&r block advantage e file Using This Publication IF you need information on . H&r block advantage e file . H&r block advantage e file . H&r block advantage e file THEN see . H&r block advantage e file . H&r block advantage e file . H&r block advantage e file traditional IRAs chapter 1. H&r block advantage e file Roth IRAs chapter 2, and parts of  chapter 1. H&r block advantage e file SIMPLE IRAs chapter 3. H&r block advantage e file the credit for qualified retirement savings contributions (the saver's credit) chapter 4. H&r block advantage e file how to keep a record of your contributions to, and distributions from, your traditional IRA(s) appendix A. H&r block advantage e file SEP IRAs and 401(k) plans Publication 560. H&r block advantage e file Coverdell education savings accounts (formerly called education IRAs) Publication 970. H&r block advantage e file IF for 2013, you received social security benefits, had taxable compensation, contributed to a traditional IRA, and you or your spouse was covered by an employer retirement plan, and you want to. H&r block advantage e file . H&r block advantage e file . H&r block advantage e file THEN see . H&r block advantage e file . H&r block advantage e file . H&r block advantage e file first figure your modified adjusted gross income (AGI) appendix B, worksheet 1. H&r block advantage e file then figure how much of your traditional IRA contribution you can deduct appendix B, worksheet 2. H&r block advantage e file and finally figure how much of your social security is taxable appendix B, worksheet 3. H&r block advantage e file Table I-2. H&r block advantage e file How Are a Traditional IRA and a Roth IRA Different? This table shows the differences between traditional and Roth IRAs. H&r block advantage e file Answers in the middle column apply to traditional IRAs. H&r block advantage e file Answers in the right column apply to Roth IRAs. H&r block advantage e file Question Answer   Traditional IRA? Roth IRA? Is there an age limit on when I can open and contribute to a Yes. H&r block advantage e file You must not have reached age  70½ by the end of the year. H&r block advantage e file See Who Can Open a Traditional IRA? in chapter 1. H&r block advantage e file No. H&r block advantage e file You can be any age. H&r block advantage e file See Can You Contribute to a Roth IRA? in chapter 2. H&r block advantage e file If I earned more than $5,500 in 2013 ($6,500 if I was 50 or older by the end of 2013), is there a limit on how much I can contribute to a Yes. H&r block advantage e file For 2013, you can contribute to a traditional IRA up to: $5,500, or $6,500 if you were age 50 or older by the end of 2013. H&r block advantage e file  There is no upper limit on how much you can earn and still contribute. H&r block advantage e file See How Much Can Be Contributed? in chapter 1. H&r block advantage e file Yes. H&r block advantage e file For 2013, you may be able to contribute to a Roth IRA up to: $5,500, or $6,500 if you were age 50 or older by the end of 2013,  but the amount you can contribute may be less than that depending on your income, filing status, and if you contribute to another IRA. H&r block advantage e file See How Much Can Be Contributed? and Table 2-1 in chapter 2. H&r block advantage e file Can I deduct contributions to a Yes. H&r block advantage e file You may be able to deduct your contributions to a traditional IRA depending on your income, filing status, whether you are covered by a retirement plan at work, and whether you receive social security benefits. H&r block advantage e file See How Much Can You Deduct? in chapter 1. H&r block advantage e file No. H&r block advantage e file You can never deduct contributions to a Roth IRA. H&r block advantage e file See What Is a Roth IRA? in chapter 2. H&r block advantage e file Do I have to file a form just because I contribute to a Not unless you make nondeductible contributions to your traditional IRA. H&r block advantage e file In that case, you must file Form 8606. H&r block advantage e file See Nondeductible Contributions in chapter 1. H&r block advantage e file No. H&r block advantage e file You do not have to file a form if you contribute to a Roth IRA. H&r block advantage e file See Contributions not reported in chapter 2. H&r block advantage e file Do I have to start taking distributions when I reach a certain age from a Yes. H&r block advantage e file You must begin receiving required minimum distributions by April 1 of the year following the year you reach age 70½. H&r block advantage e file See When Must You Withdraw Assets? (Required Minimum Distributions) in chapter 1. H&r block advantage e file No. H&r block advantage e file If you are the original owner of a Roth IRA, you do not have to take distributions regardless of your age. H&r block advantage e file See Are Distributions Taxable? in chapter 2. H&r block advantage e file However, if you are the beneficiary of a Roth IRA, you may have to take distributions. H&r block advantage e file See Distributions After Owner's Death in chapter 2. H&r block advantage e file How are distributions taxed from a Distributions from a traditional IRA are taxed as ordinary income, but if you made nondeductible contributions, not all of the distribution is taxable. H&r block advantage e file See Are Distributions Taxable? in chapter 1. H&r block advantage e file Distributions from a Roth IRA are not taxed as long as you meet certain criteria. H&r block advantage e file See Are Distributions Taxable? in chapter 2. H&r block advantage e file Do I have to file a form just because I receive distributions from a Not unless you have ever made a nondeductible contribution to a traditional IRA. H&r block advantage e file If you have, file Form 8606. H&r block advantage e file See Nondeductible Contributions in chapter 1. H&r block advantage e file Yes. H&r block advantage e file File Form 8606 if you received distributions from a Roth IRA (other than a rollover, qualified charitable distribution, one-time distribution to fund an HSA, recharacterization, certain qualified distributions, or a return of certain contributions). H&r block advantage e file Prev  Up  Next   Home   More Online Publications
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H&r block advantage e file Index A Assistance (see Tax help) F Free tax services, How To Get Tax Help H Help (see Tax help) M More information (see Tax help) P Publications (see Tax help) T Tax help, How To Get Tax Help Taxpayer Advocate, Taxpayer Advocate Service. H&r block advantage e file TTY/TDD information, How To Get Tax Help Prev  Up     Home   More Online Publications