Calculator
Gụọ otú mgbe-tax Roth IRA ndepụta na-eto n'ụzọ zuru ezu tax-free site na-akwụsị ọrụ.
Nhọrọ ndị ahụ ga-akpụzi mgbe ị na-etipụta.
N'ihe banyere calculator 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.
Ajụjụ ndị a na-ajụkarị
Gịnị mere a Roth IRA tax-free?
You contribute ego ị na-adịbeghị anya na-akwụ ụgwọ income tax na, otú ahụ ka IRS na-adịghị tax ya ọzọ. Mgbe na akaụntụ bụ n'okpuru afọ ise ochie na ị bụ n'elu 59½, niile ịkwụghachi - contributions na mmepe dị ka - na-abịa n'ihu zuru ezu tax-free.
Roth ma ọ bụ ọdịnala IRA - nke bụ ka mma?
A Roth wins mgbe gị tax rate na retirement bụ otu ma ọ bụ elu karịa taa, ebe ị na-lock n'oge a ala ọnụego. A traditional IRA nwere ike ịbụ onye na-agba ịnyịnya ma ị na-atụ anya a elu ọnụego na retirement. The "traditional mgbe tax" line na-egosi na comparison.
Gịnị bụ Roth IRA n'ime?
The IRS na-ewere a afọ ojuju - 7,500 maka 2026, ma ọ bụ 8,600 ma ị bụ 50 ma ọ bụ ochie. elu earners nwere ike na-phased out nke na-enyere aka n'ụzọ ziri ezi mgbe ha na-enweta na-erughị etinye thresholds.
Mgbe m nwere ike ịkwụsị site na a Roth IRA tax-free?
Qualified tax-free n'ihi na-ewepụ chọrọ na akaụntụ ka ọ bụrụ n'okpuru afọ ise ochie na ị na-erughị 59½. I nwere ike mgbe niile na-ewepụ gị onwe gị contributions tax-na penalti-free, ma na-ewepụ na-eto eto oge mbụ nwere ike na-eme ka n'ihi na-ewepụ na penalti.
Roth IRA ma ọ bụ 401 (k) - nke m ga-akwụ ụgwọ mbụ?
A na-emekarị iwu bụ na-enyere aka na-erughị 401 (k) iji nweta zuru ezu onye ọrụ na-egwuregwu mbụ, n'ihi na nke a bụ ego n'efu, mgbe ahụ ego a Roth IRA maka ya tax-free mmepe na n'okporo ụzọ n'okporo ụzọ nhọrọ.
Ònye bụ onye na-eweta uru Roth?
Ya. Ịkwụ ụgwọ nke tax ugbu a (Roth) beats ịkwụ ụgwọ mgbe ahụ (traditional) mgbe gị pensioning ụgwọ ego bụ otu ma ọ bụ elu karịa nke taa. The n'elu-atụle ebe a taxes the traditional balance at the pensioning tax rate you enter, so lowering that rate is what narrows the Roth's edge.
API — jiri kaadị a site na kóòdù
Kpọọ kalkulata a dịka ebe ngwụcha JSON n'efu - enweghị kii achọrọ. Ziga valiu ebe ahụ n'okpuru dịka paramita ajụjụ mọọbụ JSON. Ihe ọbụla ị na-ewepụ na-eji dìfọ́ọ̀ltụ̀ nke a na-edebe ihuakwụkwọ a na ya; parameter a na-amaghị bụ 400, ọ dịghị sẽọ̀rọ̀. Gụọ ngwe ndị ahụ niile →
Ebemkpofuozi
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);Ihe a na-ahụta bụ n'ihi nlekọta n'ozuzu ya, ọ bụghị nlekọta ego, ọgwụ ma ọ bụ nlekọta ego.