Roth IRA Calculator
Onani mmene pambuyo-tax Roth IRA zopereka kukulira bwino kwathunthu tax-free ndi kuchoka ntchito.
Zithunzizi zimasintha monga momwe mumalemba.
Zachidule
Roth IRA calculator calculates your initial 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. If a traditional account held the same balance and withdrawals were taxed at 22%, you would keep about 796,000 — the gap is the Roth advantage. This Roth IRA calculator calculates your starting balance and annual contributions at your expected return to retirement, then compares the tax-free result with a traditional account.Use this calculatorUse this calculator to project a tax-free retirement pot and to judge whether a Roth beats a traditional IRA. This Roth IRA calculator calculates your starting balance and annual contributions at your expected return to retirement, then compares the tax-free result with an equivalent traditional account.Use this calculatorUse this calculatorUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse
Mafunso ofunsidwa nthawi zambiri
N’chifukwa chiyani Roth IRA ndi tax-free?
Mumathandiza ndalama zomwe mwalipira ndalama zachuma, choncho IRS siyimalipira ndalamazonso. Ngati akauntiyo ili ndi zaka zosachepera zisanu ndi zitatu ndipo muli ndi zaka zoposa 59½, zonse zomwe mumachotsa – ndalama ndi kukula kwa ndalama – zimatuluka popanda ndalama zolipira.
Roth kapena IRA zamakono - amene ndi bwino?
A Roth apambana pamene ndalama zanu zachuma pa kuchoka ntchito ndi chimodzimodzi kapena pamwamba kuposa lero, chifukwa inu kulowa m'madola ochepa lero. A IRA zamakono angapeze ngati inu mukuyembekezera ndalama zambiri ochepa pa kuchoka ntchito. "zosiyanasiyana pambuyo tax" liniya amasonyeza kuyerekezera.
Kodi ndi chiyani Roth IRA kuwonjezera malire?
IRS amaika chaka chilichonse malire - 7,000 kwa 2024, kapena 8,000 ngati inu ndinu 50 kapena kupitilira apo - amene calculator amagwiritsa ntchito monga default nsembe yake. High earners angathe kuthetsedwa kudzera kuwonjezera mwachindunji pamene ndalama zawo zimaposa malire anaika.
Kodi nditha kuchotsa ndalama kuchokera ku Roth IRA popanda malire?
Kuti mugwiritse ntchito ndalama zopanda malire, muyenera kukhala ndi zaka zosachepera 50 ndipo mukhale ndi zaka zoposa 59½. Mukhozanso kulipira ndalama zanu popanda malire, koma kulipira ndalama zosakwanira nthawi yaitali kumatha kubweretsa ndalama zosakwanira.
Roth IRA kapena 401 (k) - amene angagwiritse ntchito ndalama zatsopano?
A kachitidwe kamodzi ndi kuwonjezerapo zokwanira kuti 401 (k) kuti atenge wonse wogwira ntchito kuyamba, chifukwa kuti ndi ndalama ufulu, ndiye ndalama Roth IRA kwa ziweto zake tax-free kukula ndi zosiyanasiyana zoposa ndalama kusankha.
Kodi phindu la Roth limadalira pa mtengo wanga wa tax?
Yes. Kulipira ndalama tsopano (Roth) amadula kulipira pambuyo (zosiyanasiyana) pamene wanu kuchoka ntchito ndalama malire ndi yofanana kapena pamwamba kuposa lero. Kuyerekezera pano taxes malire zosiyanasiyana pa kuchoka ntchito ndalama malire inu kulowa, kotero kuchepetsa kuti mtengo ndi zimene amadula malire Roth.
API — kugwiritsa ntchito izi calculator kuchokera code
Kulemba izi calculator monga ufulu JSON endpoint - palibe chida zofunika. Kutumiza nyanja mfundo pansipa monga mafunso zigawo kapena JSON. Onani zonse API docs →
Chithunzi
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);Zimenezi ndi zowerengera zokhudzana ndi malangizo amtundu uliwonse, si zokhudzana ndi ndalama, zamoyo kapena zokhudzana ndi ndalama.