I-Calculator ye-IRA ejwayelekile
Ukukhula kwe-IRA ejwayelekile ekhokhwa ngezimali futhi ubone izindleko zezimali ngemuva kokukhishwa kwezimali.
Iziphetho zivuselelwa uma ubhala.
Malunga nale khadi
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.
Imibuzo ebuzwa kaningi
Uyini umgomo wokwesekwa kwe-IRA?
Usizo lukwenziwa ngaphambi kwezimali futhi i-akhawunti ikhula ikhokhwe ngezimali, ngakho-ke awunazo izimali ezizodingeka. Uma uphuma emsebenzini, inani eliphelele - usizo nokukhula - kukhokhwa imali njengemali engenayo ejwayelekile ngesilinganiso sakho.
Yini ushintsho kusuka ku-Roth IRA?
A IRA ejwayelekile inikeza isinqumo sezimali manje (ukunciphisa) futhi izimali wena ngemva; Roth kuyinto ephikisana - akukho ukuncipha manje, kodwa imali-ke-free ngemva. Ukukhetha okulungile kuxhomekeke ukuthi ngabe isilinganiso sakho sezimali kuphakeme namhlanje noma ekuqhekekeni.
Ingabe izithonya ze-IRA ezijwayelekile zingacishwa ngezimali?
I-reduction ingamiswa noma ihlukaniswe uma wena (noma umlingani wakho) ungaphansi kwe-plan ye-retirement emsebenzini futhi imali yakho ingaphezulu kwe-limits ebekwe. Uma i-reduction ikhona, ukunikela kuphansi i-income yakho ekhokhwa nge-tax kulo nyaka.
Yini edingekayo ukuhlukaniswa okuncane (RMDs)?
I-IRA ejwayelekile idinga ukuthi uqale ukhiphe inani elincane ngonyaka lapho ufinyelela eminyaka ye-RMD, futhi lezi zikhiphe zikhokhwa imali njengemali engenayo. Le nto ihlukile ku-Roth IRA, elingaba ne-RMDs yomuntu oyinhloko, futhi i-calculator ayimodelisi i-RMD schedule.
Ingabe i-IRA ejwayelekile ikhokhwa imali lapho ngisusa khona?
Ukukhishwa okuphelele - izingeniso zakuqala kanye nokukhula okuqhubekayo kwezimali - kukhokhwa imali njengemali engenayo ejwayelekile ngezinga lakho lokuzibophezela. Lokhu kusho ukuthi ithuluzi likhombisa i-pre-tax balance kanye ne-smaller after-tax amount ongayisebenzisa.
Ngabe iIRA ejwayelekile ishaya iRoth?
Uma ulindele isilinganiso sezimali esiphansi sokuyeka umsebenzi kunamanje, ngoba ukhipha izithobo kusilinganiso esiphezulu sesikhathi samanje futhi ukhokhe izimali ngemuva kusinye esiphansi. Setha isilinganiso sezimali sokuyeka umsebenzi ngaphansi kwesilinganiso sakho samanje ukuze ubone isigaba esidala sihamba phambili.
API — sebenzisa le calculator kusuka kukhodi
Nquma le calculator njenge JSON evulekile yendawo yokuqeda - akukho isithonjana esidingekayo. Thumela amaxabiso endawo ngezansi njengezilungiselelo zombuzo noma i-JSON. Noma yini ongayishiya isebenzisa iphutha elifanayo elifakwe ngaphambili lekhasi; ipharamitha engaziwa yi-400, ayikho i-zero emnyama. Funda i-API egcwele →
Ingxenye yendawo
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);Izibalo ziyisilinganiso esisetshenziswa ukuqondisa kuphela, hhayi ukucebisa ngezimali, ukwelashwa noma ukukhokha.