---
title: What is a Roth IRA Account?
description: A Roth IRA is a retirement account funded with after-tax dollars, allowing tax-free growth and tax-free qualified withdrawals, subject to IRS eligibility and contribution limits.
---

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# What is a Roth IRA Account?

A Roth IRA is funded with after-tax dollars; the contributions are not tax deductible. Contributions can continue to be made at any age, as long as the account holder has earned income. The account holder can maintain the Roth IRA indefinitely; there are no required minimum distributions (RMDs) during their lifetime.

The contribution limit for 2026 is $7,500 a year unless you are age 50 or older, in which case, you can deposit up to $8,600. [For more information, please visit the IRS website.](https://www.irs.gov/retirement-plans/individual-retirement-arrangements-iras)

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