Please ensure Javascript is enabled for purposes of website accessibility
Search
Accessibility Menu

Can I Contribute to Both a 401(k) and a Roth IRA in 2025?

Understand the rules for contributing to a 401(k) and a Roth IRA.

By Motley Fool Retirement Team – Updated Nov 25, 2024 at 10:34PM

Key Points

  • Check your income to see if you qualify for a Roth IRA, as there are income limits.
  • You may be able to contribute to a Roth IRA by using backdoor conversions if you're not eligible to make a direct contribution.
  • Using both a 401(k) and a Roth IRA can optimize your retirement savings.
Key findings are powered by ChatGPT and based solely off the content from this article. Findings are reviewed by our editorial team. The author and editors take ultimate responsibility for the content.

Our Guides

Premium Investing Services

Invest better with The Motley Fool. Get stock recommendations, portfolio guidance, and more from The Motley Fool's premium services.