Tax-free retirement growth
Grow your wealth tax-free
with a Roth IRA
Contribute after-tax dollars today and enjoy completely tax-free withdrawals
in retirement — with a simple, digital setup that takes minutes.
Roth IRA vs Traditional IRA
Get a personalized recommendation based on your tax situation
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Traditional IRA is better for you
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Why choose a Roth IRA
With a Roth IRA, you contribute after-tax dollars today, and your investments grow tax-free. Qualified withdrawals in retirement are completely tax-free, helping you maximize your retirement income.
Tax-free
growth
Contribution and investment in the Roth IRA grow tax-free, Maximizing your retirement savings.
Tax-free
withdrawals
Withdrawals are tax- and penalty-free if you're age 59½ or older and have met the five-year minimum holding period.
Easy
eligibility
Anyone with earned income can contribute to a Roth IRA at any age. Income limits apply.
No Required Minimum Distributions (RMDs)
Unlike Traditional IRAs, you won't be forced to withdraw at age 73.
Over the Roth IRA Limit?
There's still a way in.
If your income is above $168,000 (single) or $252,000 (joint), you're no longer eligible to contribute directly to a Roth IRA. But that does not close the door on tax-free retirement growth. The Backdoor Roth IRA is a legal two-step strategy that gives high earners access to the same benefits, regardless of income.[1]
Single Filers Limit
$168K+
Income where direct Roth contributions phase out completely
Joint Filers Limit
$252K+
Income where joint filers lose direct Roth eligibility
Annual Contribution
$7,500
$8,600 if you’re age 50 or older
Income Cap on Conversion
None
Anyone can convert a Traditional IRA to a Roth IRA
How the Backdoor Roth IRA Works
Contribute to a Traditional IRA
Put after-tax dollars into a Traditional IRA. No deduction is taken since the goal here is the conversion, not the tax break upfront.
Convert to a Roth IRA
Roll those funds into your Roth IRA. From this point on, the money grows tax-free and you keep it all at withdrawal.
Which path is right for you?
Roth IRA eligibility depends on your income. Find the strategy that fits where you are today.
Roth IRA
Under $168K (single) / $252K (joint)
You're fully eligible to contribute directly to a Roth IRA. Open your account in minutes with no monthly fee and start growing tax-free.
Backdoor Roth IRA
Above $168K (single) / $252K (joint)
Direct contributions are no longer an option at this income level, but the Backdoor Roth strategy keeps the door open for tax-free retirement growth.
Why WealthRabbit’s IRA
works for you
- Hassle-free account setupWith WealthRabbit, you can open your IRA in minutes—completely online and stress-free.
- Curated Investment PortfoliosChoose from a selection of professionally managed portfolios, including crypto investments, tailored to your retirement goals.
- Seamless rolloversRoll over your existing IRA into WealthRabbit and manage your retirement savings in one place.
- Quick & actionable insightsTrack your IRA growth with real-time updates on contributions, investments, and overall progress.
- Flexible contribution optionsMake contributions on your terms—monthly, quarterly, or annually. You have the flexibility to adjust your contributions based on your financial goals.
Opening a Roth IRA is easier than you think with WealthRabbit
STEP 1
Create your WealthRabbit account and provide a few personal details to open your IRA.
STEP 2
Choose your contribution amount and set up how and when you’d like to fund your account.
STEP 3
Start saving and track your progress—all from one easy-to-use dashboard.
Start planning today with free Roth IRA account
FOR Individuals
Roth IRA
Free*
No setup or monthly fees
A retirement account with tax-free growth and withdrawals in retirement.
- Easy setup in minutes
- No account setup fee
- Access to a wide range of investment options
- Easy setup in minutes
- No account setup fee
- Access to a wide range of investment options
*For individuals, a one-time $10 custodian fee and tiered monthly asset management fees apply.
Trusted by Businesses,
Accountants & Individuals
Small business owners, freelancers, and CPAs across the country rely on
WealthRabbit for their team's retirement future.
Frequently asked questions
Anyone with earned income can open a Roth IRA, but eligibility depends on income limits. Higher earners may face reduced or phased-out contribution limits.
Yes, you can open multiple IRAs (Traditional and Roth). However, your total annual contribution limit applies across all accounts combined. For 2025, that limit is $7,000 (or $8,000 if you’re 50 or older).
The 5-year rule requires your Roth IRA to be open for at least five years before earnings can be withdrawn tax-free. This clock starts from the first tax year you made a contribution.
For 2025, you can contribute up to $7,000 if under age 50, or $8,000 if age 50 or older, as a catch-up contribution. Income limits may affect your maximum contribution.
Retirement planning that supports your success
Join hundreds of small businesses and individuals building real financial security with
WealthRabbit - fully digital, fully automated, fully yours.