Roth IRA Kalkulator
Lihat bagaimana setelah-tax Roth IRA kontribusi tumbuh sepenuhnya Gratis pajak dengan pensiun.
Hasil update saat Anda mengetik.
Tentang kalkulator ini
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.
Sering kali mengajukan pertanyaan
Mengapa Roth IRA Gratis pajak?
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.
Roth atau IRA tradisional mana yang lebih baik?
Sebuah Roth menang ketika pajak Anda dalam pensiun sama atau lebih tinggi dari hari ini, karena Anda mengunci di hari ini tingkat yang lebih rendah. lRA tradisional dapat menang jika Anda mengharapkan tingkat yang jauh lebih rendah dalam pensiun.
Berapa batas kontribusi Roth IRA?
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.
Kapan aku bisa menarik pajak Roth IRA?
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 atau 401 Saundersk) (yang harus saya dani dulu?)
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.
Apakah keuntungan Roth tergantung pada tarif pajak saya?
Ya, membayar pajak sekarang (Roth) mengalahkan pembayaran kemudian (tradisional) ketika tingkat pajak pensiun Anda sama dengan atau lebih tinggi dari hari ini dibandingkan dengan pajak tradisional di sini pada tingkat pajak Anda masukkan, jadi menurunkan tingkat itu adalah apa yang mempersempit tepi Roths.
API — use this calculator from code
Sebut kalkulator ini sebagai titik akhir JSON Gratis tidak diperlukan kunci. Kirim nilai ruas di bawah sebagai parameter query atau JSON. Apa pun yang Anda abaikan menggunakan baku yang sama halaman ini sudah diisi dengan; sebuah parameter tidak diketahui adalah 400, tidak pernah nol diam. Baca dokumen API penuh →
Titik Akhir
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);Hasil diperkirakan hanya untuk bimbingan umum, bukan keuangan, medis atau pajak.