A Shariah-Compliant Retirement Account

A Halal Roth IRA works exactly like a conventional Roth IRA — you contribute after-tax dollars, your investments grow tax-free, and qualified withdrawals in retirement are completely tax-free. The difference at Manzil is that every investment inside it is Shariah-certified and screened to exclude Riba, interest-bearing instruments, and haram industries. It is one of the most powerful retirement accounts available, and there is nothing in its structure that conflicts with Islamic finance principles.

Tax-Free Growth

All investment earnings compound entirely protected from the IRS. You pay no annual taxes on dividends or capital gains.

Tax-Free Withdrawals

Because you fund the account with after-tax dollars, 100% of your qualified distributions in retirement are completely tax-free.

Structural Flexibility

Unlike other retirement vehicles, your original contributions can be accessed at any time, for any reason, with zero taxes or penalties.

A Shariah-Compliant Retirement Account

A Halal Roth IRA works exactly like a conventional Roth IRA — you contribute after-tax dollars, your investments grow tax-free, and qualified withdrawals in retirement are completely tax-free. The difference at Manzil is that every investment inside it is Shariah-certified and screened to exclude Riba, interest-bearing instruments, and haram industries. It is one of the most powerful retirement accounts available, and there is nothing in its structure that conflicts with Islamic finance principles.

Tax-Free Growth

All investment earnings compound entirely protected from the IRS. You pay no annual taxes on dividends or capital gains.

Tax-Free Withdrawals

Because you fund the account with after-tax dollars, 100% of your qualified distributions in retirement are completely tax-free.

Structural Flexibility

Unlike other retirement vehicles, your original contributions can be accessed at any time, for any reason, with zero taxes or penalties.

A Shariah-Compliant Retirement Account

A Halal Roth IRA works exactly like a conventional Roth IRA — you contribute after-tax dollars, your investments grow tax-free, and qualified withdrawals in retirement are completely tax-free. The difference at Manzil is that every investment inside it is Shariah-certified and screened to exclude Riba, interest-bearing instruments, and haram industries. It is one of the most powerful retirement accounts available, and there is nothing in its structure that conflicts with Islamic finance principles.

Tax-Free Growth

All investment earnings compound entirely protected from the IRS. You pay no annual taxes on dividends or capital gains.

Tax-Free Withdrawals

Because you fund the account with after-tax dollars, 100% of your qualified distributions in retirement are completely tax-free.

Structural Flexibility

Unlike other retirement vehicles, your original contributions can be accessed at any time, for any reason, with zero taxes or penalties.

Understanding the Roth IRA

Who Is This Account For?

The Roth IRA is a strong fit for Muslim investors in the US with earned income who expect to be in a higher tax bracket in the future or want tax diversification in retirement. It is particularly well-suited for those who want a retirement account that can also serve as a flexible long-term savings vehicle.

Annual Contribution Structure (2026)

The contribution limit is $7,500 if you are under age 50. For individuals age 50 or older, the maximum limit is $8,600, including a $1,100 catch-up contribution. The IRS sets strict eligibility guidelines for direct Roth IRA contributions based on your Modified Adjusted Gross Income and filing status.

Single / Head of Household (2026)

You can make a full contribution if your MAGI is under $153,000. Contributions phase out between $153,000 and $168,000, and you become ineligible at $168,000 or more.

Married Filing Jointly (2026)

You can make a full contribution if your combined MAGI is under $242,000. Contributions phase out between $242,000 and $252,000, and you become ineligible at $252,000 or more.

Married Filing Separately (2026)

Contributions phase out immediately, beginning at $0, and are eliminated completely at $10,000.

Understanding the Roth IRA

Who Is This Account For?

The Roth IRA is a strong fit for Muslim investors in the US with earned income who expect to be in a higher tax bracket in the future or want tax diversification in retirement. It is particularly well-suited for those who want a retirement account that can also serve as a flexible long-term savings vehicle.

Annual Contribution Structure (2026)

The contribution limit is $7,500 if you are under age 50. For individuals age 50 or older, the maximum limit is $8,600, including a $1,100 catch-up contribution. The IRS sets strict eligibility guidelines for direct Roth IRA contributions based on your Modified Adjusted Gross Income and filing status.

Single / Head of Household (2026)

You can make a full contribution if your MAGI is under $153,000. Contributions phase out between $153,000 and $168,000, and you become ineligible at $168,000 or more.

Married Filing Jointly (2026)

You can make a full contribution if your combined MAGI is under $242,000. Contributions phase out between $242,000 and $252,000, and you become ineligible at $252,000 or more.

Married Filing Separately (2026)

Contributions phase out immediately, beginning at $0, and are eliminated completely at $10,000.

Understanding the Roth IRA

Who Is This Account For?

The Roth IRA is a strong fit for Muslim investors in the US with earned income who expect to be in a higher tax bracket in the future or want tax diversification in retirement. It is particularly well-suited for those who want a retirement account that can also serve as a flexible long-term savings vehicle.

Annual Contribution Structure (2026)

The contribution limit is $7,500 if you are under age 50. For individuals age 50 or older, the maximum limit is $8,600, including a $1,100 catch-up contribution. The IRS sets strict eligibility guidelines for direct Roth IRA contributions based on your Modified Adjusted Gross Income and filing status.

Single / Head of Household (2026)

You can make a full contribution if your MAGI is under $153,000. Contributions phase out between $153,000 and $168,000, and you become ineligible at $168,000 or more.

Married Filing Jointly (2026)

You can make a full contribution if your combined MAGI is under $242,000. Contributions phase out between $242,000 and $252,000, and you become ineligible at $252,000 or more.

Married Filing Separately (2026)

Contributions phase out immediately, beginning at $0, and are eliminated completely at $10,000.

Traditional IRA vs. Roth IRA

Feature
Roth IRA
Traditional IRA
Feature
Roth IRA
Traditional IRA
Main Purpose

Tax-free wealth tomorrow and distribution freedom

Tax relief today and retirement stability

Main Purpose

Tax-free wealth tomorrow and distribution freedom

Tax relief today and retirement stability

Tax on Deposits

None — uses after-tax money

Tax-deductible — reduces your current taxes

Tax on Deposits

None — uses after-tax money

Tax-deductible — reduces your current taxes

Tax on Growth

100% tax-free

Tax-deferred until retirement

Tax on Growth

100% tax-free

Tax-deferred until retirement

Tax on Withdrawals

100% tax-free on qualified distributions

Taxed as ordinary income

Tax on Withdrawals

100% tax-free on qualified distributions

Taxed as ordinary income

Income Restrictions

Phases out for high earners

Anyone with earned income can contribute

Income Restrictions

Phases out for high earners

Anyone with earned income can contribute

Required Minimum Distributions

None — keep it for life and pass it to heirs tax-free

Must begin RMDs at age 73

Required Minimum Distributions

None — keep it for life and pass it to heirs tax-free

Must begin RMDs at age 73

Shariah Compliance

Depends on provider

Depends on provider

Shariah Compliance

Depends on provider

Depends on provider

Align your savings with your values

Start investing the halal way—anytime, anywhere. Access your portfolio, track performance, and build your wealth with confidence.

Dashboard

Align your savings with your values

Start investing the halal way—anytime, anywhere. Access your portfolio, track performance, and build your wealth with confidence.

Dashboard

Align your savings with your values

Start investing the halal way—anytime, anywhere. Access your portfolio, track performance, and build your wealth with confidence.

Dashboard

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