US Retirement Accounts
US Retirement Accounts is a structured business dataset with 16 entries. Its fields include Account, Type, 2025 Contribution Limit. The source values are preserved as a structured reference table.
Every row is shown below and is also available as CSV, JSON, or Excel.
Dataset details
- Table scope
- All 16 rows
- Fields
- 6 columns
- Source
- Community curated
- Data updated
- Apr 10, 2026
Included fields: Account, Type, 2025 Contribution Limit, Tax Treatment, Best For, and 1 more.
The table contains every record in this dataset; the same records are available in each download format.
Preview observations
- 2025 Contribution Limit groups
- 11 distinct values
- Across 16 preview rows
Useful for
- Comparing Account, Type, and 2025 Contribution Limit across business entries
- Building reference tables, charts, or analyses from 16 downloadable records
Account↕ | Type↕ | 2025 Contribution Limit↕ | Tax Treatment↕ | Best For↕ | Key Rule↕ |
|---|---|---|---|---|---|
Traditional 401(k) | Employer-sponsored | $23,500 ($31,000 if 50+) | Pre-tax contributions, taxed on withdrawal | W-2 employees with employer match | Required Minimum Distributions start at age 73 |
Roth 401(k) | Employer-sponsored | $23,500 ($31,000 if 50+) | After-tax contributions, tax-free withdrawals | Workers expecting higher taxes in retirement | Employer match goes to a pre-tax account |
Traditional IRA | Individual | $7,000 ($8,000 if 50+) | Pre-tax (if deductible), taxed on withdrawal | Savers without a workplace plan | Deductibility phases out with income if covered at work |
Roth IRA | Individual | $7,000 ($8,000 if 50+) | After-tax, tax-free growth and withdrawals | Young earners and tax-diversification | Income phase-out around $150k single / $236k married |
SEP IRA | Self-employed / small biz | Up to 25% of comp, max $70,000 | Pre-tax, taxed on withdrawal | Freelancers and owner-only businesses | Employer-only contributions, must cover eligible employees equally |
SIMPLE IRA | Small business (<100 employees) | $16,500 ($20,000 if 50+) | Pre-tax, taxed on withdrawal | Small employers wanting low-admin plans | Employer must match up to 3% or contribute 2% of pay |
Solo 401(k) | Self-employed, no employees | $70,000 total ($77,500 if 50+) | Traditional or Roth options | High-earning solopreneurs | Must file Form 5500-EZ once plan assets exceed $250k |
403(b) | Nonprofit / public school | $23,500 ($31,000 if 50+) | Pre-tax or Roth | Teachers, hospital workers, clergy | 15-year service catch-up available for long-tenured workers |
457(b) | Government / nonprofit exec | $23,500 ($31,000 if 50+) | Pre-tax or Roth | State/local gov workers (stackable with 403(b)) | No 10% early withdrawal penalty after separation from service |
Thrift Savings Plan (TSP) | Federal employees / military | $23,500 ($31,000 if 50+) | Traditional or Roth | Federal workforce and uniformed services | Lowest-cost funds in America (expense ratios ~0.04%) |
HSA (Health Savings Account) | Individual (with HDHP) | $4,300 single / $8,550 family | Triple tax-free (contribute, grow, withdraw for medical) | High-deductible health plan holders | After 65, non-medical withdrawals taxed like an IRA |
Roth IRA Conversion (Backdoor) | Workaround strategy | Limited only by trad IRA rules | Taxes paid on conversion amount | High earners above Roth income limits | Pro-rata rule applies if you hold other pre-tax IRA money |
Mega Backdoor Roth | 401(k) after-tax strategy | Up to $70,000 total plan limit | After-tax contributions converted to Roth | Tech employees with after-tax 401(k) space | Requires plan to allow after-tax contributions plus in-service rollovers |
Inherited IRA | Beneficiary account | No new contributions | Withdrawals taxed as income (pre-tax) or tax-free (Roth) | Beneficiaries of a deceased accountholder | Most non-spouse heirs must empty the account within 10 years |
Defined Benefit Pension | Employer-funded | Actuarially determined, can exceed $275k annual benefit | Pre-tax, taxed as retirement income | High-earning older self-employed | Requires actuary and firm annual funding commitments |
Cash Balance Plan | Hybrid DB plan | Age-based, can exceed $300k for older owners | Pre-tax, taxed on withdrawal | Professional firms with older partners | Often paired with a 401(k) profit-sharing plan |
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Frequently asked questions
How is US Retirement Accounts organized?
The table starts in the source data's default order. You can sort and filter the loaded rows by the displayed fields.
How much data is available on this page?
This dataset contains 16 entries, and every row is available in the table and in the downloadable files.
Can I download the complete dataset?
Yes. CSV, JSON, and Excel downloads contain all 16 rows. Before republishing the data, review the source and any usage terms listed on this page; dtbse does not replace the original source's licensing terms.
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