Roth IRA Calculator
Sien hoe na-tax Roth IRA bydraes groei heeltemal belasting-vry deur aftree.
Resultate werk op soos jy tik.
Aangaande hierdie sakrekenaar
A Roth IRA is funded with after-tax dollars, so qualified withdrawals in retirement — both your contributions and all investment growth — come out completely tax-free. This Roth IRA calculator grows your starting balance and annual contributions at your expected return to retirement, then compares the tax-free result with an equivalent traditional account taxed at withdrawal, so you can weigh paying tax now against paying it later.
Each year it adds your contribution and applies the annual return to the balance. For example, a 30-year-old starting with 5,000 and adding 7,000 a year at 7% until age 65 ends with about 1.02 million, of which roughly 250,000 is contributions and 770,000 is tax-free growth. If a traditional account held the same balance and withdrawals were taxed at 22%, you would keep only about 796,000 — the gap is the Roth advantage.
Use it to project a tax-free retirement pot and to judge whether a Roth beats a traditional IRA for your situation. The Roth wins when your tax rate in retirement is the same or higher than today, because you lock in today’s rate on the seed rather than the much larger harvest.
Dikwels gevra vrae
Waarom is 'n Rot RA belasting-vry?
You contribute money you have already paid income tax on, so the IRS does not tax it again. Once the account is at least five years old and you are over 59½, every withdrawal — contributions and growth alike — comes out completely tax-free.
Rot of tradisionele IRL Express wat beter is?
'n Roth wen wanneer jou belastingkoers in aftree dieselfde of hoër as vandag is, aangesien jy vandag in die koerant diejorte sluit. 'n Tradisionele IRA kan wen as jy verwag dat die aftreekoers baie laer is. Die "tradisionele na belasting" lyn wys die vergelyking.
Wat is die Roth IRA - bydraegrens?
The IRS sets an annual limit — 7,500 for 2026, or 8,600 if you are 50 or older. High earners may be phased out of contributing directly once their income exceeds set thresholds.
Wanneer kan ek onttrek aan 'n Rot RA-belasting?
Qualified tax-free withdrawals require the account to be at least five years old and you to be over 59½. You can always take out your own contributions tax- and penalty-free, but withdrawing growth early can trigger taxes and a penalty.
Roth IRA or 401(k) — which should I fund first?
A common order is to contribute enough to a 401(k) to get the full employer match first, since that is free money, then fund a Roth IRA for its tax-free growth and wider investment choice. This tool models the Roth side of that plan.
Hang die Roth - voordeel van my belastingkoers af?
Yes. Paying tax now (Roth) beats paying later (traditional) when your retirement tax rate is equal to or higher than today’s. The comparison here taxes the traditional balance at the retirement tax rate you enter, so lowering that rate is what narrows the Roth’s edge.
API ← gebruik hierdie sakrekenaar van kode
Bel hierdie sakrekenaar as 'n vry JSON-punt takies wat nodig is. Stuur die veldwaardes hieronder as navraag parameters of JSON. Enigiets wat jy weglaat gebruik dieselfde verstek hierdie bladsy is vooraf gevul met; 'n onbekende parameter is 'n 400, nooit' n stil nul. Lees die volle API docs →
Einde punt:
GET https://calculator.free/api/v1/roth-ira/curl
curl "https://calculator.free/api/v1/roth-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/roth-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);Die resultate is skattings van algemene leiding, nie net finansiële, mediese of belastingvoorligting nie.