Retirement

Roth IRA basics

Learn the broad purpose, contribution mechanics and planning questions.

How it works

Roth IRA contributions are generally made with after-tax money. Qualified withdrawals can be tax-free when rules are met.

Check eligibility and limits

Contribution limits and income rules can change. Confirm current IRS rules before acting.

Think beyond the account

The IRA is the account wrapper; you still need to choose suitable investments inside it.

Tax rules are personal and change over time. Use current official guidance or a qualified tax professional.
Next step

Turn the lesson into action

Use the connected calculator, then save or download the matching worksheet so the decision is not lost.