Research
Research Studies
Original, data-driven analyses of how Americans actually use Roth IRAs — built from public IRS Statistics of Income data, fully cited, and free to reuse with attribution.
Study No. 1 · Published 2026-05-27
The Backdoor Roth, by the Numbers
How a 2010 rule change reshaped high-earner retirement saving: conversions jumped 847% to $64.8B the year the $100K income limit was repealed — with 79% of the dollars coming from filers above $100K. Four charts, an interactive explorer, and downloadable IRS data.
Read the study arrow_forward
Data Brief · Published 2026-06-03
Roth IRA Owners by the Numbers
What the latest ICI household data shows: 37.5 million US households own a Roth IRA, they contribute far more actively than Traditional owners (42% vs 23%), and they rarely withdraw (6% vs 33%) — the no-RMD advantage showing up in actual behavior.
Read the brief arrow_forward