Roth IRA Kalkile
Gade kijan apre-tarif Roth IRA konpetisyon grandi konplètman san taks pa retrèt.
Rezilta yo mete ajou pandan w ap ekri.
Atik sa a
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.
Kesyon ki poze souvan
Poukisa se yon Roth IRA san taks?
Ou fè konbyen lajan ou te deja peye taks sou li, se konsa IRS pa peye taks sou li ankò. Yon fwa kont la gen omwen 5 ane e ou gen plis pase 59½, tout retrèt — konbyen lajan ou fè ak konbyen lajan ou genyen — yo pa gen taks.
Roth oswa tradisyonèl IRA - ki se pi bon?
Yon Roth genyen lè pousantaj taks ou genyen nan retrèt ou se menm bagay la oswa pi wo pase jodi a, depi ou bloke pousantaj ki pi ba jodi a. Yon IRA tradisyonèl ka genyen si ou espere pousantaj ki pi ba nan retrèt ou. Liy "tradisyonèl apre taks" la montre konparasyon an.
Ki sa ki se limit la Roth IRA konbyen lajan ou ka fè?
IRS mete yon limit ane-a-ane — 7,500 pou 2026, oswa 8,600 si ou gen 50 an oswa plis. Moun ki gen revni segondè ka pa fè plis konbyen lajan yo dwe peye dirèkteman lè revni yo depase yon limit.
Kilè mwen ka retire soti nan yon Roth IRA san taks?
Retire ki kalifye san taks mande pou kont la gen omwen 5 ane e ou dwe gen plis pase 59½ an. Ou ka toujou retire pwòp konbyen ou te fè a san taks e san penalite, men retire byen anvan tan ka lakòz w peye taks ak penalite.
Roth IRA oswa 401 (k) — ki sa ki ta dwe mwen fon an premye?
Yon lòd komen se pou yo konpòte yo ase pou yon 401 (k) pou jwenn matche ak employeur plen premye, depi sa a se lajan gratis, Lè sa a, finanse yon Roth IRA pou li nan kwasans san taks li yo ak pi laj chwa envestisman.
Èske avantaj Roth la depann de pousantaj taks mwen?
Si ou peye taks kounye a (Roth) ou pi byen pase si ou peye li pita (tradisyonèl) lè pousantaj taks retrèt ou egal oswa pi wo pase pousantaj taks retrèt jodi a. Konparezon an isit la mete taks sou balans tradisyonèl la a pousantaj taks retrèt ou antre, se konsa, si ou ba yo pousantaj sa a, se sa ki fè pousantaj Roth la pi piti.
API — itilize sa a calculateur soti nan kòd
Apèl sa a calculateur kòm yon gratis JSON pwent-de-fini - pa gen okenn kle ki nesesè. Envoye valè jaden anba a kòm paramèt kesyonè oswa JSON. Anything you omit uses the same default this page is pre-filled with; an unknown parameter is a 400, never a silent zero. Li dokiman API a an antye →
Endpoint
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);Rezilta yo se estimasyon pou kòmandman jeneral sèlman, pa finansye, medikal oswa konsèy taks.