# Roth deposits, when does the clock start? **URL:** \ **Category:** Investing\ **Created:** [December 6, 2023, 3:53pm UTC](https://community.clark.com/t/roth-deposits-when-does-the-clock-start/3955 "2023-12-06T15:53:04Z")\ **Posts on this page:** 5\ **Page:** 1
**Author:** ![OU812](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/ou812/32/1549_2.png) [@OU812](https://community.clark.com/u/OU812)\ **Post date:** [December 6, 2023, 3:53pm UTC](https://community.clark.com/t/roth-deposits-when-does-the-clock-start/3955/1 "2023-12-06T15:53:04Z")
I have read on here that each deposit or rollover in a Roth starts a new 5 year clock. But this article from Forbes seems to dispute that: “Some people believe this five-year rule applies separately to each Roth IRA. That’s not the case. Others think the five-year rule is applied separately to each Roth IRA conversion. That’s also not the case. The Roth IRAs of the taxpayer and the money flowing into Roth IRAs are aggregated to come up with one five-year period. Essentially, once you’ve satisfied this five-year rule for one Roth IRA, you’ve satisfied it for life for all Roth IRAs. That’s a reason that some advisors say if you might convert all or part of a traditional IRA to a Roth IRA in the future, you should convert or contribute a small amount to a Roth IRA now, so the five-year clock will start running.” > **[What You Need To Know About The Confusing Roth IRA Five-Year Rule](https://www.forbes.com/sites/bobcarlson/2021/09/29/what-you-need-to-know-about-the-confusing-roth-ira-five-year-rule/)** > > Many IRA owners worry about the five-year rule, but few need will be affected by it. Am I misreading this? This seems to say that once you establish the Roth the clock starts and after 5 years you have met the rule? ---
**Author:** ![OU812](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/ou812/32/1549_2.png) [@OU812](https://community.clark.com/u/OU812)\ **Post date:** [December 7, 2023, 3:34am UTC](https://community.clark.com/t/roth-deposits-when-does-the-clock-start/3955/3 "2023-12-07T03:34:40Z")
> [@OU812](#): > > Others think the five-year rule is applied separately to each Roth IRA conversion. That’s also not the case. This is the part of the Forbes article that confused me. Your article specifies that there is a SECOND 5 year rule just for conversions that starts a new clock with each conversion. I have since done more research and found this to be true, but to me the Forbes article is very confusing on that point. ---
**Author:** ![AustinBonds](https://avatars.discourse-cdn.com/v4/letter/a/6bbea6/32.png) [@AustinBonds](https://community.clark.com/u/AustinBonds)\ **Post date:** [December 8, 2023, 3:43am UTC](https://community.clark.com/t/roth-deposits-when-does-the-clock-start/3955/5 "2023-12-08T03:43:09Z")
> [@OU812](#): > > Your article specifies that there is a SECOND 5 year rule just for conversions that starts a new clock with each conversion. What? You convert a trad IRA to Roth and pay the taxes and are barred with threats of tax penalty from taking distribution proceeds from that newly converted Roth? ---
**Author:** ![OU812](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/ou812/32/1549_2.png) [@OU812](https://community.clark.com/u/OU812)\ **Post date:** [December 8, 2023, 4:23am UTC](https://community.clark.com/t/roth-deposits-when-does-the-clock-start/3955/6 "2023-12-08T04:23:24Z")
I found this Roth Conversion Calculator on Schwab and found out it doesn’t make that much difference leaving it in pretax or converting unless you are talking about a lot of money or a long time which I have neither. So I am leaving it in my IRA. > **[Roth IRA Conversion Calculator](https://www.schwab.com/ira/ira-calculators/roth-ira-conversion)** > > See if converting to a Roth IRA makes sense for you. Use our Roth IRA Conversion Calculator to compare estimated future values and taxes. ---
**Author:** ![OU812](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/ou812/32/1549_2.png) [@OU812](https://community.clark.com/u/OU812)\ **Post date:** [December 8, 2023, 3:03pm UTC](https://community.clark.com/t/roth-deposits-when-does-the-clock-start/3955/8 "2023-12-08T15:03:36Z")
And just another example of how the IRS tax codes are set up to punish the middle class and benefit the rich: > **[Lord of the Roths: How Tech Mogul Peter Thiel Turned a Retirement Account for...](https://www.propublica.org/article/lord-of-the-roths-how-tech-mogul-peter-thiel-turned-a-retirement-account-for-the-middle-class-into-a-5-billion-dollar-tax-free-piggy-bank)** > > Roth IRAs were intended to help average working Americans save, but IRS records show Thiel and other ultrawealthy investors have used them to amass vast untaxed fortunes.