How Do Roth IRA Contributions Affect Taxes? 
That is a great question ! I love Roth IRA 's , I believe that they are an excellent part of a solid retirement plan . Since you are making your annual contributions on an after-tax basis , there are no tax consequences , unless you exceed the contribution limits . The money when it is finally available to be withdrawn , is tax free , and that is what makes this such a great deal . I hope that helps , thanks for asking ! 