Roth IRA Calculator
Ona sei mushure-tax Roth IRA zvikwereti kukwira zvakakwana tax-free nekuva nebasa.
Zvinyorwa zvinogadziridzwa paunenge uchinyora.
Nezve iyi kalkulator
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.
Zvimwe zvinobvunzwa zvakanyanya
Nei Roth IRA iri tax-free?
Unogona kubhadharisa mari yawakabhadhara mari yemutero, saka IRS haizobhadharise mari iyizve. Kana akaunti yako yakati yapfuura makore mana uye iwe uri pamusoro pemakore 59½, chero mari yaunogona kubvisa – mari yemutero kana mari yemutero – ichave isina mari yemutero.
Roth kana tsika IRA - iyo iri nani?
A Roth anokunda kana yako tax rate mu kutambanudza ari imwechete kana kupfuura nhasi, sezvo iwe kutsvedza mu nhasi’s yakaderera mwero. A traditional IRA anogona kukunda kana iwe kutarisira muchidimbu chikuru rate mu kutambanudza. The "traditional after tax" line shows the comparison.
Chii chinonzi Roth IRA?
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.
Kana ndichigona kubvisa kubva Roth IRA tax-free?
Kutora mari pasina kubhadharwa mari kunoda kuti account igare ichishanda kwemakore mana uye kuti iwe ugare uine makore anopfuura 59½. Unogona kubvisa mari yako pasina kubhadharwa mari kana kubhadharwa mari, asi kubvisa mari yacho pakutanga kunogona kukonzera kubhadharwa mari kana kubhadharwa mari.
Roth IRA kana 401 (k) — izvo zvandinofanira kubhadharisazve?
A common order is to contribute enough to a 401(k) to get the full employer match first, since that is free money, then fund a Roth IRA for its tax-free growth and wider investment choice.This tool models the Roth side of that plan.
Roth IRA bhonasi inoenderana nemari yandakabhadhara muzvikwereti zvangu here?
Yechokwadi. Kubhadhara mari yemutero ikozvino (Roth) inokunda kubhadharisa mushure menguva (yakajairika) apo mari yako yemutero wechidiki imwechete kana yakakura kupfuura yezuva rino. Kuenzanisa kwacho kunobhadharisa mari yemutero yechidiki pamari yemutero wechidiki yaunopinda, saka kuderedza mari iyi ndiyo inodzikira mari yemutero wechidiki.
API — kushandisa iyi kalkulator kubva code
Nhare iyi calculator semahara JSON endpoint - hapana chikuru zvinodiwa. Kutumira nzvimbo mavara pasi separameter query kana JSON. Chii zvachose chaunoisa kunze chinoshandisa default iyo peji iri rakasviba nayo; parameter isiri yechokwadi inonzi 400, uye haisi zero. Tora yakazara API docs →
Endpoint
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);Zviratidzo zvemubvunzo ndezvekufungidzira kwechinangwa chekudzidzisa chete, kwete zvemari, zvehutano kana zvemari.