Calculate Roth IRA 5-year rule compliance to determine tax-free withdrawal eligibility.
Roth IRA 5-Year Rule Calculator
Understanding the 5-Year Rules:
- First contribution rule: 5 years from first Roth IRA contribution for tax-free earnings
- Conversion rule: Each conversion has its own 5-year clock for penalty avoidance
- Ordering rules: Contributions → Conversions (FIFO) → Earnings
- Clock starts January 1st of the contribution year
Contribution History
Frequently Asked Questions
How does the Roth IRA 5 Year Rule Calculator work?
This tool uses standard tax formulas with your inputs to calculate results instantly.
Example values are provided for quick testing.
What inputs do I need?
You only need to fill in the required fields for the Roth IRA 5 Year Rule Calculator.
All inputs are clearly labeled with units and descriptions.
Can I use the results for real decisions?
The calculations are accurate for planning and estimation.
For critical business or financial decisions, consult with professionals.
About This Page
Editorial & Updates
- Author: SuperCalc Editorial Team
- Reviewed: SuperCalc Editors (clarity & accuracy)
- Last updated: 2026-01-13
We maintain this page to improve clarity, accuracy, and usability. If you see an issue, please contact hello@supercalc.dev.
Financial/Tax Disclaimer
This tool does not provide financial, investment, or tax advice. Calculations are estimates and may not reflect your specific situation. Consider consulting a licensed professional before making decisions.