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    Simple IRA

    News, insights and expert analysis on simple ira from the team at Kiplinger.

    Latest

    Person puts money in a money jar

    IRA and SEP Rules at a Glance: Contribution Limits, Income Limits and Rollover Options

    Here are IRA contribution limits, income limits and rollover rules for Roth, traditional, SIMPLE and SEP IRAs at a glance.

    • SIMPLE IRA (Savings Incentive Match Plan for Employees) concept.

      SIMPLE IRA Contribution limits are up $500 to $16,500 for 2025. A higher catch-up contribution limit applies for employees aged 60, 61, 62 and 63 in 2025.

      simple IRA The SIMPLE IRA contribution limit increased by $500 for 2025. Workers at small businesses can contribute up to $16,500 or $20,000 if 50 or over and $21,750 if 60-63.

      By Jackie Stewart

      simple IRA
    • Couple looking over account statement

      How IRAs Impact Social Security

      Do your traditional IRA distributions count as income that could lower your social security benefits? It depends.

      By Tom Taulli

    • Shot of an elderly couple using a laptop in a kitchen at home - stock photo

      SIMPLE IRA: What It Is and How It Works

      A SIMPLE IRA allows self-employed and small business owners to contribute funds toward their employees' and their own retirement savings.

      By Seychelle Thomas

    • A person sitting in front of a document that says SIMPLE IRA

      How Much Can You Contribute to a SIMPLE IRA for 2020?

      simple IRA The maximum amount workers at small businesses can contribute to a SIMPLE IRA for 2020 is $500 higher than it was for 2019.

      By Rivan V. Stinson

      simple IRA
    • A person sitting at a desk, holding a pen, with a calculator, piggy bank and a stack of coins

      How Much Can You Contribute to a SIMPLE IRA for 2019?

      simple IRA The maximum amount workers at small businesses can contribute to a SIMPLE IRA for 2019 is $500 higher than it was for 2018.

      By Rivan V. Stinson

      simple IRA
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