Ýörite IRA Kalkülatory
Bir däp bolan IRA töleg-wagtlaýyn ösdür we çykanlar töleg edilende tölegden soň bahasyny gör.
Netijeler ýazýan wagtyň täzelener.
Bu hasapçy hakda
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Köp soralýan soraglar
Geleneksel IRA nädip salgytlandyrylýar?
Kontribusiýalar tölegden öň edilipdir we hasabyň tölegleri ertelendi, sebäbi siz hiç bir töleg tölemeýärsiňiz. Eger siz işden çykanda, doly mukdar — kontribusiýalar we tölegler — tölegler siziň tölegiňize görä, adaty girdeji hökmünde tölenýär.
Roth IRA-dan tapawudy näme?
Bir däp bolan IRA şu wagta çenli tölegleri (bir azaltmak) we tölegleri size soňra berýär; bir Roth tersinedir - şu wagt hiç bir azaltmak ýok, ýöne soňra tölegsiz. Dogry saýlaw siziň töleg derejeňiz şu wagt ýa-da ätiýaçlykda has ýokarymy ýa-da ýokmy, buňa bagly.
Adaty IRA paýlary salgytdan boşadylýarmy?
Köplenç, emma her wagt däl. Eger siz (ýa-da bir maşgala agzasy) iş ýerinde pensiýa plany bilen goralan bolsaňyz we girdäňiz belli bir çäkden ýokary bolsa, onda çykdajylary azaltmak çäklendirilip ýa-da aşaklanyp bilner. Eger çykdajylary azaltmak mümkin bolsa, girdäňizi azaltmak şol ýyl üçin tölegli girdäňizi azaldar.
Minimum distributions required (RMDs) what are they?
Bir däp bolan IRA, RMD ýaşyna ýeteniňizde her ýyl iň az mukdardan çykmak isleýär we bu çykmalar girdeji hökmünde salgytlanýar. Bu Roth IRA-dan tapawutlanýar, ol özbaşdak eýesi üçin RMDs ýok, we kalkulýator RMD meýilnamasyny modellemeýär.
Men çykanda, däp bolan IRA nädip salgytlanýar?
Täzeden çekmek — başlangyç paýlaşmalar bilen bir hatarda ähli salgyt-aýratyn ösmek — ätiýaçlykda siziň tölegiňize görä adaty girdeji hökmünde salgytlanýar. Şonuň üçin esbap hem salgyt öň balansy hemem siziň hakykatda sarp edip biljek iň kiçi salgyt soňuň mukdaryny habar berýär.
Neme üçin IRA Rothy ýeňýär?
Eger siz şu günkiden az bir salgyt tölegini ätiýaç edýäňiz, sebäbi siz şu günkiden ýokary bir töleg bilen paýlary aýyrýarsyňyz we soňra az bir töleg bilen paýlaýarsyňyz. Bu günki tölegden az bir salgyt tölegini goýmak bilen adaty tarapyň öňe gitmegini görersiňiz.
API — bu hasapçyny koddan ullan
Bu hasapçyny azat JSON ahtar noktasy hökmünde çagyr - açar gerek däl. Aşakdaky meýdança mykdarlaryny soragyň parametrleri ýa-da JSON hökmünde iber. Eňlisçe senedleri oka →
_Soňky
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);Netijeler diňe umumy ýardam üçin hasaplanypdyr, maliýe, lukmançylyk ýa-da salgyt maslahaty üçin däl.