Roth IRA kalkulator
Se hvordan Roth IRA-bidrag etter skatt vokser helt skattefri ved pensjonering.
Resultatene blir oppdaterte mens du skriver.
Om denne kalkulatoren
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.
Ofte stilte spørsmål
Hvorfor er en Roth IRA skattefri?
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 eller tradisjonell IRA, som er bedre?
En Roth vinner når skattesatsen i pensjonering er den samme eller høyere enn i dag, siden du låser inn dagens lavere sats. En tradisjonell IRA kan vinne hvis du forventer en mye lavere pensjonering.
Hva er grensen for Roth IRA-bidrag?
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.
Når kan jeg trekke meg fra en Roth IRA skattefri?
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 eller 401 k, som jeg først finansierer?
En vanlig rekkefølge er å bidra nok til 401 k) for å få full arbeidsgiver til å matche først, siden det er gratis penger, så finansierer Roth IRA for sin skattefrie vekst og større investeringsvalg.
Beror Roth-fordelen på min skattesats?
Ja. Betaling skatt nå (Roth) slår betale senere (traditionell) når din pensjonsskattesats er lik eller høyere enn dagens. Sammenligningen her beskatter den tradisjonelle saldoen med den pensjoneringsskattesatsen du går inn i, så å senke den satsen er det som reduserer Roths kant.
API — bruk denne kalkulatoren fra kode
Kall denne kalkulatoren som et fritt JSON- endepunkt – ikke nødvendig. Send feltverdiene nedenfor som spørreparametre eller JSON. Alt du utelater bruker samme standard denne siden er fylt med. En ukjent parameter er en 400, aldri en stille null. Les alle API- doc- er →
Endepunkt
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);Resultatene er estimater bare for generell veiledning, ikke finansiell, medisinsk eller skattemessig rådgivning.