IRA caadiga ah Calculator
Kor u IRA caadiga ah ee canshuurta dib loo dhigay iyo arko qiimaha ka dib-tax marka la soo qaado waxaa la canshuureeyay.
Natiijooyinka cusbooneysiinta sida aad ku qorto.
Ku saabsan Kalkaaliyahan
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.
Su'aalaha badanaa la isweydiiyo
Sidee ayaa IRA caadiga ah taxaddarada?
Markaad ka tagto shaqadaada, lacagta buuxda – lacagta aad bixisay iyo kobaca – waxaa lagu xisaabiyaa sida lacagta caadiga ah ee aad ku bixiso. Haddii aad ka tagto shaqadaada, lacagta buuxda – lacagta aad bixisay iyo kobaca – waxaa lagu xisaabiyaa sida lacagta caadiga ah ee aad bixiso.
Maxaa ka duwan yahay Roth IRA?
A IRA caadiga ah siiyaa xayiraadda canshuurta hadda (dhimista) iyo canshuurta aad ka dib; a Roth waa ka dib - wax ka yar hadda, laakiin canshuur-free ka dib. Doorashada saxda ah waxay ku xiran tahay haddii aad heerka canshuurta waa ka sareeya maanta ama ka hor inta aan la fasaxin.
Ma traditional IRA deeqaha tax-deductible?
Inta badan, laakiin ma aha dhammaantood. Ka-saarista waxaa laga yaabaa in la xaddido ama la joojiyo haddii aad (ama qof kale oo guursan) aad ka mid tahay qorshaha shaqada ee mushaharka iyo haddii dakhligaagu ka sarreeyo heerarka la dhigay.
Maxay yihiin qaybinta ugu yar ee loo baahan yahay (RMDs)?
A IRA caadiga ah waa in aad bilowdo in ay ka saarto lacag yar oo sanad kasta marka aad gaadho da'da RMD, iyo in ay ka saarto waxaa la xisaabinayaa sida dakhliga. Tani waxay ka duwan tahay Roth IRA, oo aan lahayn RMDs ee mulkiilaha asalka ah, iyo xisaabiyaha ma qaabka RMD qorshaha.
Sidee ayaa IRA caadiga ah la xisaabinayaa marka aan ka baxay?
Ka bixitaanka buuxa - qaybaha asalka ah iyo dhammaan kororka canshuurta dib loo dhigay - waxaa lagu xisaabiyaa sida dakhliga caadiga ah ee heerkaada ee fasaxa. Sidaas darteed, qalabka ayaa warbixin ka bixiyay labadaba miisaaniyadda canshuurta hore iyo miisaaniyadda canshuurta ka dib ee yar ee aad dhab ahaantii ku bixi karto.
Markay tahay IRA caadiga ah ku garaaca Roth?
Marka aad ka filan kartaa heerka canshuurta ka hooseeya ee ka bixitaanka ka badan maanta, sababtoo ah waxaad ka dhigi lacagta ku bixi qiimaha sare ee maanta iyo canshuurta ka bixi ka dib markii mid ka hooseeya.
API — isticmaal xisaabinta ka code
Wici xisaabinta sida free JSON endpoint - key ma loo baahan yahay. Dib u soo dir qiimaha goobta hoos ku qoran sida parameters su'aal ama JSON. Wax kasta oo aad ka maqan tahay isticmaalaa default la mid ah ee boggani waa hore loo buuxiyey la; parameter aan la aqoon waa 400, marnaba ma aha zero maqan. Akhri dhammaan API xuquuqda →
Xarafka
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);Natiijooyinka waa tirakoobka loogu talagalay tilmaamaha guud oo keliya, maaha dhaqaale, caafimaad ama talo bixin canshuur.