What is a Roth IRA?

The definition of a Roth IRA is a retirement account that you can
invest in if (a) you pay income taxes and (b) you aren't in the top
~10% of individual income earners. You don't pay taxes with a
Roth IRA.

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Key Topics & Important Information

Roth IRA Rules

Learn all of the Roth IRA rules including information on income limits, spousal IRAs, the Roth IRA 5 year rule, and disqualified persons.
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Roth IRA Taxes

Understand tax aspects of the Roth IRA including tax credits, IRS reporting, tax benefits, and how you're filing date effects your contribution.
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Roth IRA Contributions

Learn about the Roth IRA Contribution rules & limits including information on the Roth IRA phase out range, proportionate reduction and excess contributions.
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Roth IRA Conversions

Details on conversions, rollovers, recharacterizations, and how a conversion impacts your adjusted gross income. Use our Roth IRA conversion calculator.
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Roth IRA Withdrawals

Learn about Roth IRA Withdrawals including avoiding penalties, Substantially Equal Period Payments (SEPPs), and whether there are required distributions.
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Open a Roth IRA

Compare Roth IRA providers; open an account.
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