IRA Evaluator

There's never been a better time to invest for retirement in an IRA. Rising contribution limits and catch-up contributions make it easier for retirement investors to save even more.

Use Fidelity's IRA Evaluator to review your IRA options and decide which IRA option may be best for you. This tool can help determine if you:

bullet Are eligible to contribute to an IRA
bullet Should consider a Roth IRA or a Traditional IRA
bullet Can make tax-deductible contributions to a Traditional IRA
bullet Can benefit from converting Traditional IRA assets to a Roth IRA

You can expect to complete the analysis in about 10 minutes. You may want to review information about IRAs before you begin.

Begin

Note:
If your tax filing status is Married, filing separately, your eligibility to contribute to Roth IRAs or to make deductible contributions to a Traditional IRA may be limited. The IRA Evaluator does not determine eligibility for married individuals filing separately.

The IRA Evaluator is intended to serve as an educational tool, not investment or tax advice. Your circumstances are unique, therefore you should consult an investment professional if you feel you need more personal advice. Because your circumstances will probably change over time, it is a good idea to review your financial strategy periodically to be sure it continues to fit your situation. All examples are hypothetical and are intended for illustrative purposes only.

Be sure to review the important Assumptions for each analysis.

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Assumptions

Assumptions

Annual Contribution Limits
Contribution limits for Traditional and Roth IRAs will increase as follows:

Year	Limit
2006-2007	$4,000
2008	$5,000

After 2008, the limit will adjust for inflation in $500 increments.

Catch-up Contributions
Workers age 50 and older can make additional IRA contributions as follows:

Year	Limit
2006-after	$1,000