Roth IRA,
Decoded.
Contributions, conversions, withdrawals, inheritance — every rule that governs tax-free growth, sourced from the IRS and independently cross-checked. No products. No pitches. Just clarity.
Contribution Limits
$7,500 base · $8,600 for 50+ · 2026 income phase-outs & MAGI thresholds.
View limits arrow_forwardRoth Conversions
Conversion tax math, backdoor strategies, pro-rata rule & multi-year planning.
Read guide arrow_forwardWithdrawal Rules
Qualified distributions, the 5-year clock, early withdrawal exceptions & ordering.
View rules arrow_forwardQuick Answers
27 short, IRS-cited answers to the most common Roth IRA, conversion & rollover questions.
Browse FAQ arrow_forward01 · Introduction
A quiet instrument,
precisely tuned.
The Roth IRA is one of the most elegant vehicles in American tax policy — and also one of the most widely misunderstood. It exchanges today's deduction for something far rarer: decades of compounding that is never taxed again. This archive does not sell accounts, funds, or advice. It exists to make the rules legible, so that the decisions that follow are yours alone to make.
2026
Current IRS thresholds
0%
Affiliate relationships
02 · Core Chapters
The rules, arranged
with intent.
Core Principles of Tax-Free Compounding
Understand why post-tax contributions, paired with decades of runway, outperform traditional deferrals for most households — and where that arithmetic breaks down.
Eligibility & Thresholds
MAGI phase-out ranges and contribution caps for 2026 — precise figures for high-earner navigation.
The Backdoor Protocol
A stepwise masterclass on executing a backdoor Roth conversion without tripping the pro-rata rule.
Investment Philosophy
Compare the account, not just the investment.
Where you hold an investment can affect current taxes, later withdrawals and moving costs. Compare those trade-offs without assuming one account is always best.
"The most expensive mistake in retirement planning is not made at the portfolio level. It is made inside the tax code."
— RothIRAHub Editorial
03 · Instruments
Tools built for consideration,
not conversion.
Each calculator is designed to expose the mechanics of a decision — not to rush it. Inputs are transparent; assumptions are editable.
Growth Projection
Long-horizon, tax-free outcomes across contribution schedules.
Open arrow_forwardRoth vs. Traditional
A side-by-side tax-outcome engine tuned to marginal brackets.
Open arrow_forwardAsset Placement Guide
Compare account tax treatment and the costs of moving existing holdings.
Open arrow_forward04 · Stay informed
Keep learning, together.
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Community
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Read discussions or ask a general question. Free to read; sign in to post. Member replies are not editorially reviewed or personal financial advice.
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Questions, corrections, or research suggestions. Educational only — no personalized tax or investment advice.
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