Àwọn Ìṣàmúlò-ètò Ìṣàmúlò-ètò

Grow a traditional IRA tax-deferred ati ki o wo awọn lẹhin-taxi iye nigba ti awọn isẹpo ti wa ni taxed.

Àwọn ìṣàmúlò-ètò lọ́wọ́lọ́wọ́

Ògó Ìjáde

Àwọn ìṣàmúlò-ètò

Àwọn ìṣàmúlò-ètò ?

The 2026 limit is 7,500 (8,600 if age 50+).

Àwọn ìṣàmúlò-ètò

Àwọn Ìjánu-ìṣàmúlò-ètò

Àwọn àwọn —

Àwọn ìṣàmúlò-ètò —

Àwọn ìṣàmúlò-ètò ìṣàmúlò-ètò —

Àwọn Ìṣàmúlò-ètò —

Àwọn Àtòjọ-ẹ̀yàn àwọn ìṣàmúlò-ètò

Ńlà àwọn àwọn ààtò àtòjọ-ẹ̀yàn yìí?

Àkóónú ìṣàmúlò-ètò yìí

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.

Àwọn Àtòjọ-ẹ̀yàn

Bawo ni a ti aṣa IRA ti taxed?

Àwọn ìrànwọ́ ní a ṣé nígbà tí a tí ṣé ilé́wọ̀n àti àwọn iroyiń tí ń dagbá nígbà tí a tí fi ilé́wọ̀n pamọ́, bẹ́ẹ̀ nínú o tí ní ilé́wọ̀n. Tí o bá yọ̀ kuro nínú ilé́wọ̀n, òǹẹ̀lì gbogbó - ilé́wọ̀n àti ilé́wọ̀n - ní a fi ilé́wọ̀n pamọ́ bí ilé́wọ̀n tí a tì fi ilé́wọ̀n pamọ́ nínú òǹẹ̀lì rẹ̀.

Kini iyatọ lati a Roth IRA?

A aṣa IRA pese awọn ipari ti owo-ori bayi (a iyọkuro) ati awọn owo-ori ti o ni nigbamii; a Roth ni awọn ti o yatọ si - ko si iyọkuro bayi, sugbon owo-ori-free nigbamii. The right choice depends on whether your tax rate is higher today or in retirement.

Njẹ awọn ifunni IRA ti aṣa ni a le yọ kuro ni owo-ori?

O ti lè jẹ́ pé o tí wa nígbá tí o bá jẹ́ pé o tí wa nígbá tí o bá jẹ́ pé o tí wa nínú àwọn

Kini àwọn ìṣàmúlò-ètò ìpele kékeré tí a fẹ́ (RMDs)?

A traditional IRA requires you to start withdrawing a minimum amount each year once you reach the RMD age, and those withdrawals are taxable as income. This differs from a Roth IRA, which has no RMDs for the original owner, and the calculator does not model the RMD schedule.

Bawo ni a ti aṣa IRA ti taxed nigbati mo ti yọ kuro?

Àwọn ìgbàdálẹ̀ gbogbo - àwọn ìrànwọ́ àti gbogbo àwọn ìgbàdálẹ̀ tí a fi pamọ́ - ní a fípádé bí ì̀rọ̀ọ̀kan nínú àwọn àwọn owó tí a gbà nínú ìgbàdálẹ̀ rẹ̀. Nípà eyi nínú, àtòjọ-ẹ̀yàn náà fi àwọn

Nibo ni a ti aṣa IRA beats a Roth?

When you expect a lower tax rate in retirement than today, because you deduct contributions at today’s higher rate and pay tax later at the lower one. Set a retirement tax rate below your current rate to see the traditional side pull ahead.

API — ló àwọn ìṣàmúlò-ètò yìí láti inú ìṣàmúlò-ètò

Fi àwọn ìṣàmúlò-ètò yìí kọ̀ǹpútà yìí láti jẹ́ ààyè-iṣẹ́ JSON tí a tí fi pamọ́ - kò ní bọ́tìnì kan tí a fẹ́. Fi àwọn fálù ààyè-iṣẹ́ sílẹ̀ sí bí àwọn àwọn ìṣàmúlò-ètò àti JSON. Anything you omit uses the same default this page is pre-filled with; an unknown parameter is a 400, never a silent zero. Ka àwọn àkọlé API kíkún →

Àwọn Ààyè Ìjánu-ìṣàmúlò-ètò

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);

Results are estimates for general guidance only, not financial, medical or tax advice.

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