Calculator
Grow a traditional IRA tax-deferred na-ahụ mgbe-tax uru mgbe ịkwụ ụgwọ bụ taxable.
Nhọrọ ndị ahụ ga-akpụzi mgbe ị na-etipụta.
N'ihe banyere calculator a
A traditional IRA is funded with pre-tax dollars: contributions may be tax-deductible now and the balance grows tax-deferred, but withdrawals in retirement are taxed as ordinary income. This traditional IRA calculator grows your starting balance and annual contributions to retirement, then applies your retirement tax rate to show the after-tax amount you actually keep alongside the headline pre-tax balance.
Each year it adds your contribution and grows the balance at your expected return, with no tax drag along the way. For example, 5,000 to start plus 7,000 a year at 7% until age 65 grows to about 1.02 million pre-tax; taxed at 22% on withdrawal, you keep roughly 796,000. The upfront deduction on each contribution is the trade for that later tax bill.
Use it to project a tax-deferred nest egg and to compare the after-tax result with a Roth IRA. A traditional IRA tends to win when your tax rate in retirement will be lower than it is today, since you take the deduction at a high rate now and pay tax at a lower rate later.
Ajụjụ ndị a na-ajụkarị
Olee otú a traditionalIRA taxed?
N'ihi na ị na-ahapụ na-akwụsị, nke zuru ezu ego - contributions na mmepe - bụ taxable dị ka a na-ahụkarị income na gị rate mgbe ahụ.
Gịnị bụ ihe dị iche na a Roth IRA?
A traditional IRA na-enye na-akwụsị ụgwọ ugbu a (a n'okpuru) na ụgwọ gị mgbe ahụ; a Roth bụ na-adịghị - enweghị n'okpuru ugbu a, ma n'okpuru-free mgbe ahụ. The ziri ezi nhọrọ na-adabere na ma gị ụgwọ ọnụego bụ elu taa ma ọ bụ na-arụ ọrụ.
Ọ bụ ọdịnala IRA n'ime-ewepụ ụgwọ ọrụ tax-ewepụ?
Ọtụtụ mgbe, ma ọ bụghị mgbe niile. The deduction nwere ike na-egbochi ma ọ bụ phased out ma ị (ma ọ bụ a nwunye) bụ covered site na a ọrụ ebe retirement atụmatụ na gị income is above set thresholds. Mgbe deductible, contributing lowers your taxable income for that year.
Gịnị bụ ihe achọrọ nke n'okpuru (RMDs)?
A traditional IRA chọrọ gị iji malite ịnabata a minimum ego kwa afọ mgbe ị na-eru RMD afọ, na ndị na-nabata bụ taxable dị ka income. Nke a dị iche na a Roth IRA, nke nwere ọ bụla RMDs maka onye nwe mbụ, na calculator na-adịghị model the RMD schedule.
Olee otú a traditional IRA taxed mgbe m na-ewepụ?
The zuru ezu ịkwụghachi - mbụ contributions nakwa niile tax-deferred growth - bụ taxed dị ka a na-ahụkarị income na gị rate na retirement. Ya mere ihe nlereanya na-ekwu na abụọ pre-tax ego na obere mgbe-tax ego ị nwere ike na-eme ihe.
Mgbe ọ bụ a ọdịnala IRA beat a Roth?
Mgbe ị na-atụ anyala tax rate na retirement karịa taa, n'ihi na ị na-ewepụ contributions na elu ọnụego taa na-akwụ ụgwọ tax mgbe ahụ na ala otu. Hazie a retirement tax rate n'okpuru gị ugbu a ọnụego ka ịhụ na ọdịnala n'akụkụ dọpụta n'ihu.
API — jiri kaadị a site na kóòdù
Kpọọ kalkulata a dịka ebe ngwụcha JSON n'efu - enweghị kii achọrọ. Ziga valiu ebe ahụ n'okpuru dịka paramita ajụjụ mọọbụ JSON. Ihe ọbụla ị na-ewepụ na-eji dìfọ́ọ̀ltụ̀ nke a na-edebe ihuakwụkwọ a na ya; parameter a na-amaghị bụ 400, ọ dịghị sẽọ̀rọ̀. Gụọ ngwe ndị ahụ niile →
Ebemkpofuozi
GET https://calculator.free/api/v1/ira/curl
curl "https://calculator.free/api/v1/ira/?current_age=30&retire_age=65&starting=5000&contribution=7000&return_rate=7"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/ira/?" + new URLSearchParams({
"current_age": "30",
"retire_age": "65",
"starting": "5000",
"contribution": "7000",
"return_rate": "7"
}));
const data = await r.json();
console.log(data.results);Ihe a na-ahụta bụ n'ihi nlekọta n'ozuzu ya, ọ bụghị nlekọta ego, ọgwụ ma ọ bụ nlekọta ego.