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.
Set up a recurring contribution once. Then never think about it again.
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
Income where direct Roth contributions phase out completely
Joint Filers Limit
Income where joint filers lose direct Roth eligibility
Annual Contribution
$8,600 if you’re age 50 or older
Income Cap on Conversion
Anyone can convert a Traditional IRA to a Roth IRA
How the Backdoor Roth IRA Works
Traditional
Roth IRA
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.
We take care of the admin so you don't have to
From setup to compliance, WealthRabbit runs your Roth IRA in the background so it just... works.
Fully digital setup
No paperwork, no back-and-forth. Open your account and fund your first contribution in about 14 minutes, start to finish.
Seamless rollover
Bring over an old 401(k) or IRA without lifting a finger. We coordinate directly with your previous provider and keep you posted the whole way.
Flexible contribution options
Contribute on your own terms, weekly, monthly, quarterly, or all at once. Adjust the amount any time your plans change.
Simple, live dashboard
Track your balance, growth, and contributions in one place, updated in real time so you always know where you stand.
Set Up Your Roth IRA
in Minutes
Set up your account, choose your contribution frequency, and let WealthRabbit handle the rest, all from one streamlined digital platform.
Start planning today with free Roth IRA account
One plan. Everything included. No hidden fees.
What you will get
- Easy setup in minutes
- No account setup fee
- Wide range of investment options
- Tax-free withdrawals
- No Required Minimum Distribution
What you will get
- Easy setup in minutes
- No account setup fee
- Wide range of investment options
- Tax-free withdrawals
- No Required Minimum Distribution
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