[{"data":1,"prerenderedAt":103},["ShallowReactive",2],{"term:roth-ira":3},{"term":4,"related":90},{"id":5,"title":6,"body":7,"category":69,"description":70,"extension":71,"faq":72,"meta":76,"navigation":77,"path":78,"related":79,"seo":83,"stem":84,"takeaways":85,"__hash__":89},"terms\u002Fterms\u002Froth-ira.md","Roth IRA",{"type":8,"value":9,"toc":62},"minimark",[10,15,19,22,26,34,45,49],[11,12,14],"h2",{"id":13},"understanding-roth-ira","Understanding Roth IRA",[16,17,18],"p",{},"Contributions to a Roth IRA are not tax-deductible, but investments grow tax-free, and qualified withdrawals in retirement are tax-free too.",[16,20,21],{},"Income limits apply to direct contributions, and Roth IRAs have no required minimum distributions during the original owner's lifetime.",[11,23,25],{"id":24},"in-2026","In 2026",[16,27,28,29,33],{},"You can contribute up to ",[30,31,32],"strong",{},"$7,500"," in 2026, or $8,600 if you are 50 or older, across all your IRAs combined.",[16,35,36,37,40,41,44],{},"Direct Roth contributions phase out at higher incomes. For 2026, the phase-out range of modified AGI is ",[30,38,39],{},"$153,000 to $168,000"," for single filers and heads of household, and ",[30,42,43],{},"$242,000 to $252,000"," for married couples filing jointly. For married people filing separately, it stays at $0 to $10,000 and is not adjusted for inflation.",[11,46,48],{"id":47},"sources","Sources",[50,51,52],"ul",{},[53,54,55],"li",{},[56,57,61],"a",{"href":58,"rel":59},"https:\u002F\u002Fwww.irs.gov\u002Fnode\u002F152316",[60],"nofollow","IRS: 2026 401(k) and IRA limits (Notice 2025-67)",{"title":63,"searchDepth":64,"depth":64,"links":65},"",2,[66,67,68],{"id":13,"depth":64,"text":14},{"id":24,"depth":64,"text":25},{"id":47,"depth":64,"text":48},"retirement","A U.S. retirement account funded with after-tax money, with tax-free qualified withdrawals.","md",[73],{"q":74,"a":75},"Can I withdraw Roth contributions early?","Generally yes: contributions (not earnings) can be withdrawn at any time without tax or penalty.",{},true,"\u002Fterms\u002Froth-ira",[80,81,82],"ira","401k","required-minimum-distribution",{"title":6,"description":70},"terms\u002Froth-ira",[86,87,88],"Roth IRAs use after-tax contributions.","Qualified withdrawals, including growth, are tax-free.","No RMDs apply during the owner's lifetime.","rz-PiSpjPUpYFQpOapEKGHTghVubOCsNBNOz5p40mk4",[91,95,99],{"title":92,"description":93,"path":94},"401(k) Plan","An employer-sponsored U.S. retirement plan funded through payroll contributions.","\u002Fterms\u002F401k",{"title":96,"description":97,"path":98},"Individual Retirement Account (IRA)","A tax-advantaged U.S. account for retirement savings.","\u002Fterms\u002Fira",{"title":100,"description":101,"path":102},"Required Minimum Distribution (RMD)","The minimum amount U.S. retirees must withdraw each year from most tax-deferred retirement accounts.","\u002Fterms\u002Frequired-minimum-distribution",1793374005875]