Browse 76 selected guides, calculators and reference pages, grouped by topic. This directory is not a complete list of every article on RothIRAHub. Use the site search to find additional pages and specific topics.
Correction · October 2, 2026: aligned stale descriptions with the tools’ actual scope and removed blanket privacy and review assurances. Corrections and updates.
Start Here
If you're new — read this first.
1 chapter
The Roth IRA Pillar
Top-of-funnel reference. The single document that summarizes every rule in this archive.
1 chapter
Contributions
How much you can put in, who qualifies, and what to do when something goes wrong.
11 chapters
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2026 Roth IRA Contribution Limits & Phase-Outs
Current 2026 Roth IRA contribution limits: $7,500 base, $8,600 for 50+. MAGI phase-out $153K-$168K single / $242K-$252K MFJ. IRS Notice 2025-67.
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Custodial Roth IRA Rules — Roth IRA for Minors
A child’s compensation and contribution limits, labeled hypothetical growth, withdrawal conditions, college-aid treatment and provider-specific custodial control.
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Excess Contribution Remediation
Fixing a Roth IRA excess contribution: conditional deadlines, the recurring 6% excise, adjusted returns and recharacterizations, and account-flow-aware corrective earnings.
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Roth IRA Contributions
Everything about Roth IRA contributions — the 2026 $7,500 limit, income eligibility, deadlines, spousal and custodial accounts, and excess-contribution cures.
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Roth IRA Eligibility & Income Limits 2026
2026 Roth IRA eligibility and income limits: MAGI phase-outs by filing status, the reduced-contribution formula, and the backdoor route for high earners.
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Roth IRA for Military Members
A beginner-friendly guide to Roth IRA and Roth TSP coordination, military compensation, Code Q combat pay, BRS matching, deployment deadlines, Guard or Reserve overlap, and service-member records.
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Roth IRA for College Students
A beginner-friendly guide to compensation from campus jobs, work-study, internships, gigs and stipends; family-funded deposits; account ownership; investing; FAFSA; and college withdrawals.
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Roth IRA for Self-Employed People
How a personal Roth IRA coordinates with SEP, SIMPLE and one-participant 401(k) contributions, business tax treatment, day-job plans, employees, deadlines and the pro-rata rule.
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Saver's Match 2027: SECURE 2.0 §103 Rules, Phase-Outs & Eligibility
The Saver's Match replaces the Saver's Credit starting tax year 2027 under SECURE 2.0 §103 — a federal retirement contribution of up to $1,000 per person. Eligibility, phase-outs, disqualifiers, and worked examples.
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SIMPLE IRA Rules: 2026 Limits & Roth
SIMPLE IRA rules for 2026: $17,000 standard, $18,100 enhanced under §117, age-50 and 60–63 catch-ups, the 2-year rule, and Roth SIMPLE contributions.
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Spousal Roth IRA Rules
Spousal Roth IRA rules for 2026: how a non-working spouse uses the working spouse's earned income, joint-return requirement, $7,500 limit, and MAGI phase-outs.
Withdrawals & Distributions
When earnings become tax-free, the 5-year clocks, and the penalty exceptions.
9 chapters
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Roth 5-Year Rule After 59½: 2026 Guide
Do you still need 5 years after age 59½? The earnings clock vs. the conversion clock, how they interact, and worked examples from IRS Pub 590-B.
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Roth Conversion 5-Year Rule Explained
Each Roth conversion has its own 5-year clock for the 10% penalty. Complete guide with the FIRE conversion ladder, FIFO ordering, and worked examples.
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Roth IRA 5-Year Rule Explained
The Roth IRA 5-year rule determines when earnings become tax-free. The three separate 5-year clocks, when each starts, and how to avoid costly mistakes.
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Roth IRA Early Withdrawal Penalty Rules
The 10% Roth IRA early withdrawal penalty: when it applies to earnings, every §72(t) exception, SEPP rules, and how contributions come out first under FIFO.
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Roth IRA First-Time Homebuyer
Using a Roth IRA for a first home: the $10,000 lifetime exception, qualification rules, the 2-year lookback definition, and how contributions come out first.
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Roth IRA RMD Rules: 2026 Guide
Roth IRA RMD rules for 2026: why owners have no lifetime RMDs, RMDs for inherited Roth IRAs, SECURE 2.0 age 73/75, QCDs, and the 25% excise tax.
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Roth IRA Withdrawal Age Rules
Roth IRA withdrawal age rules for 2026: contributions any time, 59½ threshold for earnings, 5-year rule, and the §72(t) exceptions that waive the penalty.
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Roth IRA Withdrawal Rules — Complete 2026 Guide
Roth IRA withdrawal rules: qualified distributions, ordering rules, early withdrawal penalties, age requirements, and tax-free withdrawal conditions for 2026.
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Roth IRA Withdrawals for Education
Using a Roth IRA for college costs: the education exception to the 10% penalty, qualified expenses, beneficiary coordination, and 529 comparison.
Conversions & Rollovers
Traditional → Roth mechanics, multi-year strategy, and the rollover rules.
11 chapters
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401(k) to Roth IRA Rollover: Rules & Taxes
401(k) to Roth IRA rollover rules for 2026: direct vs. indirect rollovers, the 20% withholding trap, the 5-year clock, and when it pays to roll.
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529 to Roth IRA Rollover: SECURE 2.0 Rules
529-to-Roth rollovers: account seasoning, the five-year contribution lookback, annual and lifetime limits, and unresolved implementation questions.
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60-Day IRA Rollover Rule: Deadline & Limits
The 60-day IRA rollover deadline, the once-per-12-months rule, waiver procedures and the different withholding rules for IRAs and employer plans.
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Backdoor Roth IRA: Rules & Step-by-Step
Backdoor Roth IRA rules for 2026: the nondeductible contribution and conversion sequence, pro-rata trap, Form 8606 reporting, and common mistakes.
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Mega Backdoor Roth: The $72,000 Path
Mega backdoor Roth rules for 2026: after-tax 401(k) contributions up to the $72,000 §415(c) cap, plan requirements, step-by-step process, and SECURE 2.0 changes.
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Roth 401(k) Rules: Limits & Withdrawals
Roth 401(k) rules for 2026: contribution limits, super catch-up, §603 Roth-mandate, withdrawal rules, RMD elimination, and when to roll to a Roth IRA.
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Roth Conversion Tax: What You'll Owe
Roth conversion tax implications: federal brackets, state tax, IRMAA, ACA premium tax credits, estimated-tax safe harbors, and Form 8606 reporting.
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Roth Conversions
Roth conversion hub — mechanics of converting Traditional to Roth, tax implications, separate 5-year clocks, backdoor Roth, and multi-year conversion strategy.
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Roth IRA Conversion Rules: 2026 Guide
Complete 2026 Roth conversion rules: no income or annual limits, tax treatment, pro-rata aggregation, separate 5-year clocks, and IRMAA planning.
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Roth IRA Rollover Rules: 2026 Guide
Roth IRA rollover rules for 2026: direct vs. indirect, the once-per-12-months rule, trustee-to-trustee transfers, the 60-day window, and common mistakes.
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The Pro-Rata Rule for Roth Conversions
The pro-rata rule aggregates all your Traditional, SEP, and SIMPLE IRAs when you convert. Complete 2026 guide with examples, math, and workarounds.
Inherited Roth IRA
Spouse, EDB, and 10-year-rule beneficiary rules under TD 10001.
6 chapters
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Inherited Roth IRA 10-Year Rule
The ordinary direct non-EDB inherited-Roth case has no annual RMDs in years 1–9 and an end-of-year-10 deadline. Other beneficiary and successor situations can require a different schedule.
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Inherited Roth IRA RMD Rules
When inherited Roth IRAs require annual payments: ordinary direct non-EDB cases differ from life-expectancy and successor cases. Includes the missed-distribution rules under IRC §4974.
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Inherited Roth IRA Rules 2026
Inherited Roth IRA rules for 2026: the 10-year rule, spouse vs. non-spouse options, successor and trust beneficiaries, and how to keep distributions tax-free.
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Inherited Roth IRA Taxes Explained
Inherited Roth IRA taxes: why most distributions are tax-free, when the 5-year rule bites, estate tax treatment, and the double benefit over Traditional IRAs.
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Inherited Roth IRA: Edge Cases
Inherited Roth IRA edge cases (2026): non-resident aliens, minor beneficiaries, community property states, state tax treatment, and Form 5498 recordkeeping.
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Inherited Roth IRA: Non-Spouse Rules
Inherited Roth IRA rules for non-spouse beneficiaries (2026): the 10-year rule, EDB exceptions, entity 5-year rule, titling, and keeping distributions tax-free.
Special Cases
Roth questions that don't fit neatly inside the four pillars.
2 chapters
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Asset Placement — What Belongs in a Roth
A framework for which asset classes belong in a Roth IRA versus taxable and tax-deferred accounts. Covers bonds, REITs, high-yield, international, and more.
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Roth IRA for US Expats
The Roth IRA rules for US citizens and green-card holders abroad: foreign earned income exclusion versus foreign tax credit, compensation-limit trap under IRC section 219, non-resident-alien spouse elections, treaty treatment of distributions, and country-specific notes for the most common destinations.
Calculators & Tools
Open each tool for its supported cases, assumptions and privacy explanation. A browser-based calculation is not a blanket promise that nothing is stored or transmitted.
22 chapters
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Asset Location Architect Tool
Asset-location tool: optimize which investments belong in Roth vs. Traditional vs. taxable accounts. Built on tax-drag math with 2026 brackets and IRS sources.
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Backdoor Roth Calculator
Estimate the taxable portion of a Roth conversion under the pro-rata rule, then map the result to Form 8606.
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Backdoor Roth Diagnostic
Audit a planned, in-progress or completed backdoor Roth across contribution room, two calendars, IRA aggregation, SIMPLE restrictions, conditional cleanup and Form 8606 records.
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Can I Contribute to a Roth IRA?
Decision-tree tool for the 2026 direct Roth age/MAGI ceiling, with separate reminders for compensation, prior IRA contributions and Backdoor Roth sequence review.
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Fee Drag Calculator
See the real cost of expense ratios in your Roth IRA. Compare 0.03% index funds vs. 1.0% managed funds over 20–40 years, with compounding visualized.
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Inherited Roth 10-Year Schedule
Check a deadline and calendar for confirmed direct non-EDB inheritances, with an optional growth reference. Not a tax calculation or recommended withdrawal plan.
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Inherited Roth Beneficiary Type Tool (2026)
Decision tree for inherited Roth IRA beneficiaries. See whether you’re a spousal beneficiary, eligible designated beneficiary (EDB), or non-EDB — and which distribution rules apply.
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Inherited Roth IRA Calculator
First-distribution-year illustrations for supported direct beneficiaries. Taxes, past payout periods and unsupported beneficiary arrangements are not calculated.
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IRMAA Trap Detector
Check one income event against the exact published 2026 Medicare IRMAA tiers, with separate Part B and Part D counts and a transparent future-year assumption mode.
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MAGI Estimator for Roth IRA
Estimate 2026 Roth IRA MAGI and the income-based contribution ceiling. Compensation and contributions already made must still be checked separately.
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Missed RMD Penalty Calculator (2026)
Explore the missed-RMD excise tax under IRC §4974 and the Form 5329 correction and waiver process. Review the applicable conditions before relying on a result.
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Multi-Year Conversion Planner
Plan Roth conversions across multiple years: bracket-fill optimization, IRMAA tier management, RMD-reduction strategy, and after-tax balance projection.
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Roth Conversion Cost Calculator
Estimate specified federal-tax interactions and a Medicare surcharge benchmark for a conversion. State and local taxes are not calculated.
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Roth Conversion Ladder Visualizer
Illustrate post-retirement conversion rungs, five-tax-year timing, federal tax and an initial bridge-cash budget. Not a withdrawal or solvency forecast.
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Required Beginning Date Calculator
Determine when RMDs begin under the age-73 and age-75 rules and why Roth IRA owners have no lifetime RMD.
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Roth IRA Growth Projection Tool
Explore hypothetical savings growth with a flat return, repeatable simulated paths and early-versus-late return scenarios. Review the assumptions and limitations.
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Roth IRA Statistics Hub
Roth IRA market totals, household ownership, balances, contributions and conversions, with IRS and ICI sources, reporting dates and clear definitions.
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Started Earlier: The Cost of Waiting
Compare contribution start dates and see how time changes the long-run Roth balance under the same return assumptions.
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Trump Account Eligibility Checker
Screen basic 2026 account and federal-pilot conditions, with separate Dell program guidance. Not an account lookup or award confirmation.
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Roth IRA Withdrawal Explainer
Step-by-step Roth IRA withdrawal tool: enter your situation and see whether withdrawal is tax- and penalty-free, with FIFO ordering and 5-year clock logic.
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Roth vs. Traditional IRA Calculator
Compare Roth vs. Traditional IRA side by side: after-tax balance at retirement, bracket arbitrage, RMD impact, and the break-even tax-rate assumption.
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Saver's Match Eligibility Checker (2027)
See if you qualify for the Saver's Match — the SECURE 2.0 §103 federal match of up to $1,000 per person on Roth IRA or 401(k) contributions, starting tax year 2027.
Reference & Trackers
Glossary, the IRS Notice tracker, the Roth IRA in Congress feed, the changelog, and this index.
4 chapters
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Changelog
A running log of substantive content and infrastructure changes on RothIRAHub, newest first.
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Glossary
Forty core Roth IRA and retirement-tax terms, defined with primary-source citations and linked to the pillar articles that cover each concept in depth.
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IRS Notice & Ruling Tracker
A curated, dated index of IRS guidance — Treasury Decisions, Notices, Revenue Procedures, Revenue Rulings — that shape Roth IRA rules. Each entry includes citation, plain-English summary, and link to the primary document.
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Roth IRA in Congress
Selected enacted laws, identified legislative proposals and related executive action affecting retirement saving, with dated sources and clear distinctions between law and proposals.
About RothIRAHub
How this archive is researched and reviewed, and the editorial standards behind it.
9 chapters
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About RothIRAHub | Independent Roth IRA Guide
Learn about RothIRAHub, its educational purpose, source standards and limitations. Review credentials are attributed only when that review has actually been completed.
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Contact RothIRAHub
Contact RothIRAHub: report factual errors, suggest coverage, send editorial feedback, or request a correction. Response target: 48 hours.
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Cookie Notice
RothIRAHub's cookie notice: the cookies we use, why we use them, retention, and how to manage your preferences under GDPR and ePrivacy rules.
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Corrections Policy
How RothIRAHub handles errors: our standards, process, and a public log of every substantive correction we have ever made.
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Editorial Guidelines
How RothIRAHub researches, fact-checks, and reviews content — editorial standards, primary-source policy, corrections practice, and our technical review program.
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Legal Disclaimers
RothIRAHub's legal disclaimers: no-advice statement, accuracy limitations, tool-estimate disclaimers, and third-party source disclosures.
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Privacy Policy
RothIRAHub's privacy policy: what data we collect, how we use it, our cookie practice, and how to contact us about your information. Updated 2026.
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Technical Review Program
How RothIRAHub’s technical review program works — paid engagements with credentialed CPAs, EAs, and tax attorneys, with public attribution only after an article is signed off.
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Terms of Service
RothIRAHub Terms of Service: educational content disclaimer, limitation of liability, permitted use of citations, affiliate policy, and governing law.