Roth IRA

Tax-free retirement account (US)

A Roth IRA lets you contribute post-tax dollars that grow tax-free forever. Contribution limit: $7,000/year ($8,000 at 50+) in 2026. Income phase-out: $165k single / $246k MFJ. Qualified withdrawals at 59½+ are 100% tax-free — no RMDs during your lifetime.