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Halfway through the band you get exactly half the limit — and the IRS worksheet carries two lines the short page does not.

One dollar of income costs $200 — and two IRS pages give different answers.

The employer match is an instant 100% return. 2026 limit $24,500, Traditional vs Roth, rollovers.

Pay tax now or later. 2026 limit $7,500, Roth income limits, and the order to save.