Roth IRA xisaabinta
Ka eeg sida ka dib-tax Roth IRA qaybaha kor u kacaya si buuxda lacag la'aan ah oo ay ka tagaan.
Natiijooyinka cusbooneysiinta sida aad ku qorto.
Ku saabsan Kalkaaliyahan
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.
Su'aalaha badanaa la isweydiiyo
Maxaa ka dhigaya Roth IRA tax-free?
Waxaad ka qayb qaadataa lacag aad horey u bixisay canshuurta dakhliga, sidaas darteed IRS ma tax uu mar kale. Marka xisaabta waa ugu yaraan shan sano jir ah oo aad ka badan tahay 59½, ka bixitaanka kasta - qaybaha iyo koritaanka la mid ah - ka soo baxaya si buuxda lacag la'aan ah.
Roth ama IRA caadiga ah - kaas oo ka fiican?
A Roth ku guuleysata marka aad qiimaha canshuurta ee fasaxa waa la mid ama ka sareeya maanta, tan iyo markii aad ku xiran tahay qiimaha hoose ee maanta. A IRA caadiga ah ku guuleysan kartaa haddii aad ka filayo qiimaha aad u hooseeya fasaxa. The "dhaqanka kadib canshuurta" line muujinaya la barbardhigo.
Waa maxay Roth IRA qaybta xaddidaadda?
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.
Markaan ka bixi karaa Roth IRA tax-free?
Qaab-dhismeedyada caymiska ee caymiska ah waxay u baahan yihiin in xisaabku yahay ugu yaraan shan sano jir oo aad tahay in ka badan 59½. Waxaad waligaa ka qaadi kartaa qaybtaadaada caymiska iyo ciqaabta, laakiin ka bixitaanka koritaanka hore wuxuu sababi karaa canshuur iyo ciqaab.
Roth IRA ama 401(k) — kaas oo aan maalgelin lahaa hore?
A amar caadi ah waa in ay ka qayb qaataan ku filan in 401(k) si ay u helaan shaqo bixiyaha buuxa ugu horeysay, tan iyo markii ay lacag la'aan ah, ka dibna maalgelinta Roth IRA ee koritaanka iyo doorasho maalgashiga ka badan ee lacag la'aan ah.
Ma faa'iidada Roth ku xiran tahay heerka canshuurtayda?
Haa. Bixinta canshuurta hadda (Roth) ku dhuftay bixiyo ka dib (traditional) marka aad mushaharka canshuurta ee fasaxa waa la mid ah ama ka sareeya kan maanta. La barbardhigo halkan taxes miisaaniyadda caadiga ah ee mushaharka canshuurta fasaxa aad gasho, sidaas daraaddeed hoos u dhigista in qiimaha waa waxa ka yar xadka Roth.
API — isticmaal xisaabinta ka code
Wici xisaabinta sida free JSON endpoint - key ma loo baahan yahay. Dib u soo dir qiimaha goobta hoos ku qoran sida parameters su'aal ama JSON. Wax kasta oo aad ka maqan tahay isticmaalaa default la mid ah ee boggani waa hore loo buuxiyey la; parameter aan la aqoon waa 400, marnaba ma aha zero maqan. Akhri dhammaan API xuquuqda →
Xarafka
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);Natiijooyinka waa tirakoobka loogu talagalay tilmaamaha guud oo keliya, maaha dhaqaale, caafimaad ama talo bixin canshuur.