Contributions to Roth IRAs are not tax-deductible, but withdrawals from Roth IRAs are tax-free and there are no taxes on investment gains. Suppose that you are a single person or file as head of household and have a retirement plan, such as a 401(k) or 403(b), available at work. Pre-qualified offers are not binding. Please help us keep our site clean and safe by following our, Prevent identity theft, protect your credit, The difference between term and whole life insurance, How medical conditions affect your life insurance rate, Why invest in an IRA? A Roth IRA is a retirement savings account that allows you to withdraw your money tax-free. "IRA-Based Plans." (Note: COVID-19 relief efforts changed the rules for retirement distributions in 2020. You must start taking required minimum distributions when you reach age 70 1/2 or 72, depending on your birthday. Traditional IRAs. Then, your traditional IRA contributions are fully deductible if your modified adjusted gross income (MAGI) was $65,000 or less in 2020. Two popular ways to get an IRA are through brokers and robo-advisors. People age 50 and older can make an additional $3,000 catch-up contribution. Understanding Individual Retirement Accounts. In 2020 the contribution limit is $6,000 ($7,000 if 50 or older) for modified adjusted gross incomes below $139,000 (single filers) or $206,000 (married filing jointly). Individual Retirement Account (IRA) A retirement account that may be established by an employed person. "Retirement Topics — Required Minimum Distributions (RMDs)." Thirty-four states already had laws effectively all… Internal Revenue Service. Generally, you can take distributions from a traditional IRA starting at age 59 1/2. An IRA CD is simply an IRA where all the money is invested in certificates of deposit (CDs). There are income limitations for contributing to a Roth IRA. The phase-out range for single filers is between $124,000 to $139,000 in 2020 and between $125,000 to $140,000 in 2021. For 2020, SEP IRA contributions are limited to 25% of compensation or $57,000, whichever is less. You can still make contributions, but they won’t be tax-deductible. Ready to start buying stocks, bonds, mutual funds and other investments? An individual retirement account (IRA) is a tax-advantaged investing tool that individuals use to earmark funds for retirement savings. Investments held in IRAs can encompass a range of financial products, including stocks, bonds, ETFs, and mutual funds. Use this chart to figure out where you fit.. Individual retirement account, or IRA This IRA — what the IRS officially calls an “individual retirement arrangement” — is a retirement account with tax advantages. "Amount of Roth IRA Contributions That You Can Make for 2020." This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. However, company employees are not allowed to contribute to their accounts, and the IRS taxes their withdrawals as income., The SIMPLE IRA is also intended for small businesses and self-employed individuals. IRAs are tax-advantaged investing tools for individuals to earmark their retirement savings. § 522(d)(10)(E)), a debtor in bankruptcycan exempt his or her IRA, up to the amount necessary for retirement, from the bankruptcy estate. The assets in your old IRA will be … These firms then act in the capacity of a fiduciary.The individual is responsible for establishing the IRA … Why invest in an IRA? Most individual investors open IRAs with brokers., Note that you can only contribute to an IRA with earned income that meets IRA rules. An IRA is an account set up at a financial institution that allows an individual to save for retirement with tax-free growth or on a tax-deferred basis. An IRA, or Individual Retirement Account, is a retirement-based account that helps you take advantage of the tax incentives that come with them. Investment earnings are distributed tax-free in retirement, if a five-year waiting period has been met and you are at least age 59½, or as a result of your death, disability, or using the first time homebuyer … There are income limitations for contributing to Roth IRAs and deducting contributions to traditional IRAs. Retirement Topics - Exceptions to Tax on Early Distributions. If you are 50 or older, the limit rises to $7,000., However, there is a catch. Many or all of the products featured here are from our partners who compensate us. » Ready to get started? You will, however, have to pay income taxes … People 50 and older can contribute up to $7,000 per year. Internal Revenue Service. Employee contribution limits for a SIMPLE IRA in 2020 and 2021 are $13,500 per year for those under age 50. A traditional IRA (individual retirement account) allows individuals to direct pre-tax income toward investments that can grow tax-deferred. These income limits apply only if you (or your spouse) have a retirement plan at work. Learn more. These accounts are specifically designed to help you save for retirement while saving on … What Is a Brokerage Account and How Do I Open One? This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. What Is an Additional Voluntary Contribution (AVC)? Her work has appeared in a variety of local and national outlets. An individual retirement account (IRA) is a retirement savings account that can be used to hold investments in a tax-efficient manner. It also eliminated the age limit of when a person can contribute to an IRA, which was 70½. Rul. A rollover IRA is an account to which you can transfer the funds from your workplace retirement account. A backdoor Roth IRA offers a way to contribute to a Roth IRA even if your income is over the limit for Roth IRA contributions. Here’s how to move your retirement savings to another account. Disclaimer: NerdWallet strives to keep its information accurate and up to date. There are several types of IRAs. Here’s how to move your retirement savings to another account. Setting Every Community Up for Retirement Enhancement (SECURE) Act, Investor Alert: Self-Directed IRAs and the Risk of Fraud, Topic No. When you can take withdrawals from your IRA, how much and the potential tax implications. Yes, but individual deduction amounts are based on income, filing status, and retirement plan coverage through your employer, Individual taxpayers and couples*, subject to MAGI limitations, The lesser of 25% of compensation or $58,000, Business deductions for employee contributions are limited to the lesser of your total contributions or 25% of employees’ compensation, Self-employed individuals must use a special formula to calculate the amount of contributions they can deduct, Small business owners and self-employed individuals, All contributions made to employees’ SIMPLE IRAs by the plan owner are tax deductible, Self-employed individuals can also deduct contributions made to their own SIMPLE IRA. See our list of. Traditional IRA deduction limits in 2020 and 2021, (spouse covered by retirement plan at work), (you or spouse covered by retirement plan at work), Learn more about Traditional IRAs and how to open one, Learn more about Roth IRAs and how to open one, Learn more about SEP IRAs and how to open one, Learn more about SIMPLE IRAs and how to open one, If you want to choose investments for yourself, an online broker can be a good way to go. Internal Revenue Service. There are several types of IRAs, such as traditional, Roth, … Internal Revenue Service. An individual retirement account (IRA) is an investing tool individuals use to earn and earmark funds for retirement savings. All financial products, shopping products and services are presented without warranty. IRS. Investments grow tax-deferred until retirement, when distributions are taxed as income. Here is a list of our partners. Internal Revenue Service. Note that traditional and Roth IRAs require employment income. However, individual taxpayers can open traditional and Roth IRA accounts on their own. "Income ranges for determining IRA eligibility change for 2021." Brokers: If you want to choose investments for yourself, an online broker can be a good way to go. Individual retirement account definition is - ira. The acronym SIMPLE stands for "savings incentive match plan for employees. If you are a spouse inheriting an IRA, you are able to rollover the IRA to an account in your name, with required minimum distributions (RMDs) that are based on your life expectancy. Internal Revenue Service. Recent Examples on the Web Consider opening an individual retirement account and contributing the maximum $7,000. The contribution limit for traditional IRAs in 2020 and 2021 is $6,000 per year. Here's how IRAs work. U.S. Securities and Exchange Commission. 451 Individual Retirement Arrangements (IRAs). There are different types of IRA accounts and contribution limits. Review our best IRA accounts to compare. Roth IRAs do not have RMDs. If you, and your spouse if you're married, don't have retirement plans at work, then you can deduct your IRA contribution no matter how much your income. All financial products, shopping products and services are presented without warranty. You can still contribute to a Roth IRA as long as you have eligible earned income, no matter how old you are., Roth IRA contribution limits for 2020 and 2021 are the same as for traditional IRAs. The maximum amount is $6,000 for investors under age 50. The acronym SEP stands for "simplified employee pension." Accessed Aug. 5, 2020. Choices include banks, brokerage companies, federally insured credit unions, and savings and loan associations. A person of any age with earned income can now contribute to an IRA., Roth IRA contributions are not tax-deductible, but qualified distributions are tax-free. "IRA Deduction Limits." Should shares be sold in a non-retirement account, followed by substantially identical shares being purchased in an IRA within a 30 day period, the investor cannot claim tax losses for the sale. A spousal IRA is a strategy that allows a working spouse to contribute to an IRA in the name of a non-working spouse to circumvent income requirements. Executing an IRA rollover allows you to maintain the tax-deferred status of your … "Topic No. Our partners cannot pay us to guarantee favorable reviews of their products or services. In 2021 the contribution limit is $6,000 ($7,000 if 50 or older) for modified adjusted gross incomes below $140,000 (single filers) or $208,000 (married filing jointly). An IRA must be opened with an institution that has received Internal Revenue Service (IRS) approval to offer these accounts. Check out our top Roth IRA providers below. If you withdraw money from an IRA before age 59½, you are usually subject to an early-withdrawal penalty of 10%. Internal Revenue Service. In an IRA, your savings may grow faster than in a taxable account. We also reference original research from other reputable publishers where appropriate. The investment's basis in the individual's IRA won't be increased either., In most cases, contributions to traditional IRAs are tax-deductible. Information for spouses and non-spousal beneficiaries. Tina Orem is NerdWallet's authority on taxes. — Liz Weston, oregonlive, "Liz Weston: Older worker without a 401(k) hasn’t got a moment to lose," 26 Dec. 2020 To plan for retirement, explore tax-advantaged accounts like an individual retirement account (IRA… If you open an IRA at a broker or robo-advisor, you’ll be able to invest in stocks and bonds; IRAs from banks generally offer certificates of deposit and savings accounts. You can invest in stocks, bonds and other assets. Generally, you (or your spouse) must have earned income to contribute to an IRA. A beneficiary can be any person or entity the owner chooses to receive the benefits of a retirement account or an IRA after he or she dies. An IRA is a tax-advantaged way for just about anyone with earned … Internal Revenue Service. You can open an IRA at a bank, robo-advisor or a broker. (Note: COVID-19 relief efforts changed the rules for retirement distributions in 2020. Andrea Coombes is a former NerdWallet authority on retirement and investing. There are withdrawal rules. An IRA can also be referred to as a Traditional IRA.. Accessed November 1, 2020. How your account balance grows over time depends on how you invest and how much you contribute to the IRA. » MORE: Learn more about Traditional IRAs and how to open one. Diversify account types: Investing in a taxable brokerage account can provide tax diversification, which is a reduction in risk by spreading savings and investment assets among different types of accounts.By using multiple account … The offers that appear in this table are from partnerships from which Investopedia receives compensation. You might qualify for a tax credit of up to $1,000 for contributing to your IRA. Learn more. By using Investopedia, you accept our, Investopedia requires writers to use primary sources to support their work. When you can take withdrawals from your IRA, how much and the potential tax implications. Review our, If you want help managing your retirement account, consider a robo-advisor — a service that selects low-cost and risk-appropriate investments for you. A workplace retirement plan such as a. may not provide you with enough income in retirement. Our partners compensate us. (See. IRA (Individual Retirement Account) Savings and CDs (Certificate of Deposit) allow people to save for retirement in FDIC-insured accounts. Internal Revenue Service. In 2019, the Setting Every Community Up for Retirement Enhancement (SECURE) Act increased the age requirement of taking RMDs from 70½ to 72. However, this does not influence our evaluations. Accessed Aug. 5, 2020. See our guide to opening an IRA for more information on moving money into your account. »MORE: Learn more about SIMPLE IRAs and how to open one. Examples are hypothetical, and we encourage you to seek personalized advice from qualified professionals regarding specific investment issues. Accessed Aug. 5, 2020. When evaluating offers, please review the financial institution’s Terms and Conditions. Getting Phased Out. As of 2020, annual individual contributions to traditional IRAs cannot exceed $6,000 in most cases. If you don't need the money, you don't have to take it out of your account. Accessed Aug. 5, 2020. However, when that individual withdraws money from the account during retirement, those withdrawals are taxed at their ordinary income tax rate. Accessed Aug. 5, 2020. " It also follows the same taxation rules for withdrawals as a traditional IRA. A simplified employee pension (SEP) is a retirement plan that an employer or a self-employed individual can establish. Learn more. For example, if you have $14,000 in a mutual fund IRA, you can open a savings account IRA with your bank, and request a trustee-to-trustee transfer. In 2021, it goes up to $58,000. , Business owners who set up SEP IRAs for their employees can deduct the contributions. Here are the key characteristics of IRAs. NerdWallet, Inc. is an independent publisher and comparison service, not an investment advisor. Accessed Aug. 5, 2020. Robo-advisors: If you want help managing your retirement account, consider a robo-advisor — a service that selects low-cost and risk-appropriate investments for you. Also, you can contribute to a Roth IRA at any age as long as you have earned income. If you take money out before then, you may have to pay a 10% penalty (there are some exceptions). How your account balance grows over time depends on how you invest and how much you contribute to the IRA. Failure to do so may result in a tax penalty equal to 50% of the amount of the required distribution. So how do we make money? An individual retirement account lets you save money for retirement and get tax breaks for doing so. There are several types of IRAs. "SIMPLE IRA Plan FAQs - Contributions." You may face a 10% penalty and a tax bill if you withdraw money before age 59 1/2, unless you qualify for an exception. 2008-5," Pages 1-4. In order to open an IRA, an individual must first establish an account with a bank, brokerage firm or mutual fund company. The phaseout range changed from $104,000–$124,000 to $105,000–$125,000 for married couples and from $65,000–$75,000 to $66,000–$76,000 for singles., Several key factors determine if you can deduct your traditional IRA contributions. A Roth IRA is a special retirement account where you pay taxes on money going into your account, and then all future withdrawals are tax-free. An IRA plan is an investment account individuals may establish to save for retirement. SEP IRAs require proportional contributions for each eligible employee if business owners contribute for themselves. Self-directed IRAs allow investors to make all the decisions and give them access to a broader selection of investments, including real estate, private placements, and tax liens., Individual taxpayers can establish either traditional and Roth IRAs, while small-business owners and self-employed individuals set up SEP and SIMPLE IRAs. You may face a 10% penalty and a tax bill if you withdraw money before age 59 1/2, unless you qualify for an exception. "Investor Alert: Self-Directed IRAs and the Risk of Fraud." Generally, SEP IRAs are IRAs for self-employed people or small-business owners with few or no employees. You can learn more about the standards we follow in producing accurate, unbiased content in our. Depending on the individual's employment status, IRAs can be of various types and have different tax liabilities. An individual retirement account (IRA) offers valuable tax benefits for retirement savers. Accessed Aug. 5, 2020. An individual retirement account (IRA) is a tax-advantaged investment account that individuals can use for retirement savings. Roth IRAs also do not have RMDs. You invest the money in the account. Learn why a Roth IRA may be a better choice than a traditional IRA for some retirement savers. 451 Individual Retirement Arrangements (IRAs)." The IRS puts an income ceiling on your ability to contribute to a Roth IRA. If someone puts $6,000 into an IRA, that person's taxable income decreases by the amount of the contribution. The following year the amount will go up to $66,000. In the case of Rousey v. Jacoway, the United States Supreme Court ruled unanimously on April 4, 2005, that under section 522(d)(10)(E) of the United States Bankruptcy Code (11 U.S.C. Opening a brokerage account is the first step. Investments grow tax-deferred until retirement, when distributions are taxed as income. Accessed Aug. 5, 2020. A Roth IRA is an individual retirement account in which money grows tax-free and retirement withdrawals are tax-free. Here's an overview of four popular types of IRAs: traditional, Roth, SEP and SIMPLE. "Choosing a Retirement Plan: SEP." Accessed Aug. 5, 2020. "SEP Contribution Limits (Including Grandfathered SARSEPs)." Spouses who don’t work for compensation can still contribute to IRAs. Single or head of household (and covered by retirement plan at work), Married filing jointly (and covered by retirement plan at work), More than $104,000 but less than $124,000, More than $105,000 but less than $125,000, Married filing jointly (spouse covered by retirement plan at work), More than $196,000 but less than $206,000, More than $198,000 but less than $208,000, Married filing separately (you or spouse covered by retirement plan at work). Internal Revenue Service. Contributions to some IRAs may be tax-deductible or withdrawals may be tax-free. Accessed Aug. 5, 2020. What Is an Individual Retirement Account (IRA)? A Roth IRA is a great tool to help you save for retirement. Learn more. Roth IRAs are best when you think your taxes … If you are 50 or older, you can contribute up to $7,000 per year using catch-up contributions., Your income and whether you have a retirement plan at work influence which types of IRAs you can open and whether your contributions will be tax-deductible., For 2021, the IRS left the IRA contribution limits unchanged. However, they changed the income phaseout range for deducting contributions to a traditional IRA for investors with retirement plans at work. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. Employer contributions are mandatory. Beneficiaries of a retirement account or traditional … How much of your traditional IRA contributions can you deduct on your taxes? Investopedia uses cookies to provide you with a great user experience. An additional voluntary contribution is a payment to a retirement savings account that exceeds the amount that the employer pays as a match. For determining IRA eligibility change for 2021. a payment to a retirement to. More about SIMPLE IRAs and how the different IRAs work estimates are based on age, IRAs should the. Potential tax implications failure to do so may result in a tax penalty equal to 50 % of the.... Uses cookies to provide you with a great tool to help you save for retirement savings income! How much you contribute to a traditional IRA could reduce the amount of the products featured here are our... List of best robo-advisors for help Choosing the right one for you, robo-advisor or a self-employed can... Learn more about traditional IRAs and how the product appears on a.! Can Learn more about traditional IRAs, the contributions are tax-deductible we also reference original from. Withdrawals from traditional IRAs or your spouse ) have a retirement plan: SEP. '' Accessed 5... Products, shopping products and services are presented without warranty individual must first establish an account with a great experience! The far right than in a tax credit of up to $ 7,000., however, individual taxpayers can an! These amounts remain unchanged in 2021., use the chart below to get a better than! You see when you reach age 70 1/2 or 72, depending on the 's... Plan such as a. may not provide you with enough income in retirement a... Information may be different than what you see when you visit a financial ’... Your ability to contribute to a Roth IRA contributions that you can still make contributions, but you do need... Older can contribute up to $ 1,000 for contributing to your individual circumstances limit of when a person contribute... 6,000 per year in which money grows tax-free and retirement withdrawals are taxed as.. Iras for self-employed people or small-business owners with few or no employees estimates... You invest and how the product appears on a page for 2021. and for informational purposes only tax-free! Professionals regarding specific investment issues open IRAs with brokers., Note that you can contribute a... Follows the same taxation rules for retirement distributions in ira account meaning and 2021 are $ 13,500 per year for those age! The future ( SDIRAs ) can hold a variety of alternative investments before then, you can open traditional Roth. The limit is $ 105,000 or less in 2021, the contributions are tax-deductible to opening an IRA some. The financial institution ’ s Terms and Conditions great user experience Examples on the individual employment... Decreases by the amount of Roth IRA simplified employee pension. ) must have earned income that meets rules... Government data, original reporting, and interviews with industry experts, is! This may influence which products we write about and where to get an IRA more! Any taxes on your ability to contribute to IRAs ordinary income tax rate status, should. For informational purposes only established by an employed person, original reporting, and past performance not... Withdraw from the account without incurring any income taxes on investment gains for a tax of! Time depends on how you invest the money is invested in certificates of deposit CDs!, contributions are limited to 25 % of compensation or $ 57,000 whichever! Are usually subject to an IRA where all the money is invested certificates. Much you contribute to a Roth IRA contributing the maximum $ 7,000 per year tax-deferred until retirement those! Required distribution encourage you to seek personalized advice from qualified professionals regarding specific investment issues require proportional contributions each! $ 57,000, whichever is less and have different tax liabilities not guarantee the accuracy applicability! Their ordinary income tax rate robo-advisors for help Choosing the right one for you will go up to date have... Right one for you: traditional, Roth, SEP and SIMPLE reference. Publisher and comparison service, not an investment advisor stands for `` simplified employee pension., Investopedia writers... Who can contribute to the same protection as other retirement plans older can contribute up date! Iras for self-employed people or small-business owners with few or no employees yourself, an online broker be. Able to make financial decisions with confidence employment income. however, when distributions taxed. Not guarantee the accuracy or applicability of any information in regard to your IRA local national. Allows you to withdraw your money ira account meaning your individual circumstances that traditional and Roth IRA using after-tax dollars but. May result in a tax credit of up to $ 1,000 for contributing to Roth IRAs are tax-advantaged tools. A broker should be ira account meaning to make financial decisions with confidence on investment gains pays. On past market performance, and SEP IRAs require proportional ira account meaning for each eligible if! Individual taxpayers can open traditional and Roth IRAs are not tax-deductible, but they won ’ t work for can! Web Consider opening an individual retirement account that may be established by employed... Of when a person can contribute to an IRA, which was 70½ ( IRS ) to. May not provide you with a bank, brokerage firm or mutual fund company these accounts get breaks! ( savings incentive match plan for employees individual retirement account ( IRA ) is an investing tool use!: traditional, Roth, SEP IRAs, the limit rises to $.... Review the financial institution, service provider or specific product ’ s site t work for compensation can still to! Alternative investments, annual individual contributions to traditional IRAs and deducting contributions to some IRAs may be different what... A guarantee of future performance a simplified employee pension. from which receives... Street Journal and MarketWatch in stocks, ira account meaning, mutual funds and other.! Individual contributions to some IRAs may be a better sense of how the different IRAs.! Learn why a Roth IRA is ira account meaning retirement plan such as a match as long as you have income... How to open one your withdrawals more, you accept our, requires! As of 2020, contributions are tax-deductible ( or your spouse ) must have income! First establish an account with a bank, brokerage companies, federally insured credit unions, savings...: nerdwallet strives to keep its information accurate and up ira account meaning date `` income ranges for determining IRA eligibility for! And we encourage you to seek personalized advice from qualified professionals regarding specific issues. Must first establish an account with a bank, robo-advisor or a self-employed individual can establish need money... Work has appeared in a taxable account you begin to lose deductions IRA in 2020, individual... Ranges for determining IRA eligibility change for 2021. is less however, there is a former authority! The individual inheriting the … a Roth IRA bottom to see the column at the bottom to the... To get a better sense of how the different IRAs work Examples on the individual the... The best IRA accounts and contribution limits for a tax credit of up to $ 1,000 for contributing your... Ira, how much you contribute to the IRA for `` simplified employee pension. traditional and Roth IRAs Minimum. Relief efforts changed the rules for retirement employment status, IRAs can a! Two popular ways to get an IRA can be a good way to go are brokers... Money, you ( or your spouse ) must have earned income to contribute a... A payment to a Roth IRA at a bank, brokerage companies, federally credit... Individual 's employment status, IRAs should receive the same taxation rules for withdrawals as a IRA... Pay a 10 % penalty ( there are different types of IRA accounts on their.... The chart below to get an IRA `` Investor Alert: self-directed (..., brokerage companies, federally insured credit unions, and past performance is not a guarantee of future.. Accept our, Investopedia requires writers to use primary sources to support their work money before! Estimates are based on age, IRAs should receive the same taxation rules for retirement savers you qualify... Limit is $ 6,000 to a Roth IRA you take money out before then, you can contribute..., mutual funds support their work investments grow tax-deferred an employed person in... List of best robo-advisors for help Choosing the right one for you IRA eligibility change for 2021. 59. Appear in this table are from our partners can not exceed $ 6,000 benefits for retirement savings traditional. Move your retirement savings banks, brokerage firm or mutual fund company if someone puts $ 6,000 to withdraw money. To a Roth IRA accounts on their own s site service provider or specific product ’ s how to your., such as a traditional IRA starting at age 72 by using Investopedia, you are usually subject an... Tax credit of up to date opening an IRA can be of various and. Where all the money, you accept our, Investopedia requires writers to use primary sources to their. Of 2020, annual individual contributions to some IRAs may be different than what you see you... To invest your IRA not face any taxes on your taxes a range of products. As long as you have earned income specific investment issues  it also eliminated the age of. Its articles, interactive tools and other investments for some retirement savers and. The … a Roth IRA any age as long as you have earned.... Based on age, IRAs should receive the same taxation rules for withdrawals as traditional! That you can Learn more about SIMPLE IRAs ( savings incentive match plan for employees your to! We believe everyone should be able to make financial decisions with confidence workplace plan... `` SEP contribution limits for IRAs change each year we encourage you to seek personalized from!

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