Put time on their side
Starting with a first job can give invested savings decades to compound. Those early years are a head start money cannot buy back later.
Earn now. Invest for decades.
Give their earliest earnings a lifetime to grow.
A child's first paycheck can become more than spending money. With eligible earned income, a custodial Roth IRA can create decades of tax-advantaged growth—and teach the value of saving, investing, and patience along the way.
Built for families Long-term perspective Clear family records
GOOD AFTERNOON
2026The Rivera Family
Approved gross$2,840
Est. available$1,340
M
Maya3 approved earnings · 1 awaiting review
Records are up to dateLast activity: garden cleanup approved
Why start early?
A Roth IRA can turn work today into choices tomorrow.
When a child has eligible compensation, a family can generally contribute up to the lesser of that compensation or the annual IRA limit. Starting young makes each eligible year—and every year of potential growth—count.
Build tax-free potential
Investment growth inside a Roth IRA is not taxed each year, and qualified withdrawals in retirement can be completely tax-free.
Keep valuable flexibility
Roth contributions—not investment earnings—can generally be withdrawn without tax or penalty, while the rest stays invested for the future.
Teach habits that last
Real work becomes a lesson in saving, investing, market cycles, compound growth, and the patience to think in decades.
Why the window matters: Roth IRA contributions require eligible compensation, and higher income can limit direct Roth IRA eligibility later in life. Starting while they qualify captures contribution years that cannot be added back later. Read the Roth IRA guide
From job to record
A simple rhythm for the work they're already doing.
No loose notes. No year-end scavenger hunt. RothFuel helps your family build the record as earnings happen.
01
Log the work
Capture the job, date, hours, and a reasonable rate while the details are fresh.
02
Preserve the proof
Keep payer and payment details together in one organized family ledger.
03
See the estimated amount available
Compare approved gross earnings, active contributions, and the configured annual limit.
04
Reconcile and contribute
Use the annual report alongside tax documents and your custodian's records.
One source of truth
The details that make a family ledger useful.
Track who did the work, who paid, when and how payment arrived, and where each earning stands in the family's review process.
- Approval workflow keeps drafts out of estimated totals until an adult reviews them.
- Historical records preserve voided earnings and invalidated contributions.
- Annual reports bring earnings, contributions, and supporting payment details together.
Maya's 2026 earningsAll statuses
WorkPayerStatusAmount
Garden cleanupOak Street neighborApproved$120.00
Pet sittingRivera familySubmitted$85.00
BabysittingFamily friendDraft$60.00
Payment evidence stays attachedCheck number, electronic reference, date, and notes
The compounding advantage
Their most valuable investing asset may be time.
Starting young can give qualified Roth IRA savings decades to compound. RothFuel focuses on the essential first step: a clear record of real earned income.
Explore the rules and trusted resourcesONE-TIME HYPOTHETICAL CONTRIBUTION$1,000 → about $18,420After 50 years at a 6% annual return
Illustrative only, with annual compounding and no additional contributions. It does not account for fees, taxes, or inflation. Returns are not guaranteed, and investments can lose value.
Ready when you are
Build the record now. Reconcile with confidence later.
Signup is coming soon. Existing RothFuel families can sign in today.