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Learn what an ira is, how it works, and compare the 4 main types—traditional, roth, sep, and simple iras—with key rules on contributions, tax benefits, and withdrawals. Learn more about iras and how these retirement savings accounts can help you save for your retirement. Iras are one of the most effective ways to save and invest for the future. Individual retirement accounts (ira) provide tax advantages for retirement savings You can contribute each year up to the maximum amount allowed by the internal revenue service. Any deductible contributions and earnings you withdraw or that are distributed from your traditional ira are taxable Also, if you are under age 59 ½ you may have to pay an additional 10% tax for early withdrawals unless you qualify for an exception.