Roth IRA (2025)
Roth IRAs offer tax-free qualified withdrawals. Contribution eligibility phases out at higher incomes.
Contribution Eligibility
Check 2025 MAGI phase-out ranges for Roth IRA contributions. Backdoor Roth strategies are an option for high earners.
Qualified Distributions
Qualified distributions are tax-free if account held for 5 years and you're 59½ or older (or meet exception). Roth IRAs have no RMDs for original owner in current law.
Roth Conversions
Converting Traditional IRA funds to Roth may make sense for some HOH filers — see the Roth Conversion guide for tradeoffs.