Roth IRA Calculator
Onani mmene pambuyo-tax Roth IRA zopereka kukulira bwino kwathunthu tax-free ndi kuchoka ntchito.
Zithunzizi zimasintha monga momwe mumalemba.
Zachidule
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.
Mafunso ofunsidwa nthawi zambiri
N’chifukwa chiyani Roth IRA ndi tax-free?
Mumathandiza ndalama zomwe mwalipira ndalama zachuma, kotero kuti 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" line amasonyeza kuyerekezera.
Kodi ndi chiyani Roth IRA kuwonjezera malire?
IRS amaika chaka chilichonse malire - 7,500 kwa 2026, kapena 8,600 ngati inu ndinu 50 kapena older.High earners angathe kuthetsedwa kudzera kuwonjezera mwachindunji pamene ndalama zawo zimaposa set mlingo.
Kodi nditha kuchotsa ndalama kuchokera ku Roth IRA popanda ndalama?
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
Kuti mudziwe zambiri, pitani ku www.json.org/json.html. Kuti mudziwe zambiri, pitani ku www.json.org/json.html. Chomweko chilichonse chimene mumasiya chimagwiritsa ntchito mfundo yoyamba yomweyi yomwe tsambali limagwiritsa ntchito; mfundo yosadziwika ndi 400, siyiyenera kukhala zero yosadziwika. 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.