Kātaitai Roth IRA
Tirohia te āhua o te whakawhanaketanga o ngā koha Roth IRA i muri i te tāke, ka noho tino kore tāke i te wā o te whakamutu.
Ka whakahōutia ngā hua i te wā e tātuhi ana.
Mo tēnei tātaitai
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.
Ko nga pātai e pā ana
He aha te Roth IRA kore tāke?
Ka whakawhiwhia e koe he moni e whakawhiwhia ana e koe ki te tāke moni moni, nā reira kāore anō te IRS kia whakawhiwhia ki te tāke. Ina iti iho te tatauranga ki te rima tau, ā, neke atu rānei i a koe i te 59½, ko ia whakawhiwhinga — whakawhiwhinga me te tipu — ka whakawhiwhia ki te tāke.
Roth, IRA tūturu rānei - he aha te pai ake?
Ka whiwhi a Roth ki te whiwhinga ina ōrite, nui ake rānei tō tātau ōrautanga tāke i te whakamutua i tēnei rā, nā te mea kua katia e koe i te ōrautanga iti rawa o tēnei rā. Ka taea e te IRA tūturu te whiwhi, mēnā e tūmanako ana ki tētahi ōrautanga iti rawa i te whakamutua. E whakaatu ana te rārangi "whakaahua i muri i te tāke" i te whakataurite.
He aha te tepe o te koha Roth IRA?
Ka whakarite te IRS i tētahi tepe tau — 7,500 mō te tau 2026, 8,600 rānei mēnā e 50 tau rānei, ka taea e ngā kaimahi tiketike te whakawātea i te whakawhiwhinga hāngai ina nui ake ō rātou moni whiwhinga i ngā tepe i whakaritea.
Ka taea e au te tango i te Roth IRA kore tāke?
Ko ngā whakawhiwhinga whakawhiwhinga e hiahiatia ana kia rima tau te āhua o te pūkete, ā, kia nui ake i a koe i te 59½. Ka taea e koe te tango i o koe ngā koha me ngā whakawhiwhinga, engari ka taea e te whakawhiwhinga i mua te whakawhiwhinga tāke me te whakawhiwhinga.
Roth IRA, 401(k) rānei - he aha te mea me whakawhiwhia e au i te tuatahi?
Ko tētahi whakaritenga noa iho ko te nui o te koha ki tētahi 401(k) hei whiwhi i te taurite kaiāwhina katoa i te tuatahi, nā te mea ko te moni wātea, kātahi ka whakawhiwhia ki te Roth IRA mō tōna tipu kore tāke me te kōwhiringa pūtea whānui ake.
E whakawhirinaki ana te painga o Roth ki tōku ōrautanga tāke?
He. Ko te utu tāke ināianei (Roth) e whakawātea ana i te utu i muri ake (māori) ina ōrite, nui ake rānei tō tātau tāke hautanga ki te tātau tāke hautanga i tēnei rā. Ko te whakataurite i konei e tāke ana i te taurite ā-māori i te tātau tāke hautanga e tātau tāurunga ana, nō reira ko te whakaiti i taua tātautau e whakaiti ana i te tītaha o Roth.
API — whakamahi tēnei tātaitai mai i te waehere
E kī ana tēnei tātaitai hei wāhi mutunga kore JSON - kāore he kī e hiahiatia ana. Ka tukuna ngā uara āpure i raro nei hei tohutoro pātai, JSON rānei. Anything you omit uses the same default this page is pre-filled with; an unknown parameter is a 400, never a silent zero. Ka pānui te papatono API katoa →
Whakamutunga
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);Ko ngā hua he whakataunga mō te tohutohu ahuwhānui anake, ehara i te tohutohu moni, rongoā, tāke rānei.