Citi Personal Banking Guide

Manage your everyday and plan for your future. Explore banking basics below.

Retirement

Understanding Roth IRAs

A Roth IRA is a type of retirement account in which after-tax dollars grow tax-free and withdrawals are tax-free. Here's how a Roth IRA works.

What Is a 401(k)?

Learn what a 401k is, how it works, how to contribute, and the differences between Roth and traditional 401k plans. Start retirement planning today.

IRA vs. 401(k): What Are the Differences?

IRAs and 401(k)s both offer a tax-advantaged way to save for retirement. Learn about their key similarities and differences.

Roth IRA vs. Traditional IRA

Learn about the tax advantages, contribution limits, income restrictions and withdrawal rules for Roth IRAs and Traditional IRAs. Decide which is right for you.

Other categories

Additional Resources

  • Citi Financial Pathways

    Utilize these resources to help you assess your current finances & plan for the future.

  • FICO® Score

    Learn how FICO® Scores are determined, why they matter and more.

  • Glossary  

    Review financial terms & definitions to help you better understand credit & finances.