Kifaa cha Kuhesabu IRA
Ona jinsi michango ya baada ya-tax Roth IRA inavyokua bila malipo kabisa kwa kustaafu.
Matokeo yanakuwa bora zaidi unapochapa.
Kuhusu kifaa hiki cha kupigia hesabu
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.
Maswali yaliyoulizwa mara nyingi
Kwa nini kodi ya IRA hailipi kodi?
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 or traditional IRA — which is better?
Roth anashinda wakati kiwango cha kodi unapostaafu ni sawa na cha juu kuliko leo, kwa kuwa unajifungia leo 178.
Mpaka wa mchango wa Roth IRA ni upi?
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.
Na lini nikutoe kwenye njia ya vikwazo vya milimani?
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 or 401(k) — which should I fund first?
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.
Je, faida ya Roth inategemea kiwango changu cha kodi?
Naam, kulipa kodi sasa (Roth) kunachukua hatua ya kulipa kodi baadaye (kwa sababu unastaafu) na ni juu kuliko mwaka wa 171.
API bustanini hutumia kifaa hiki cha hesabu kutoka kwenye mfumo wa sheria
Ipigie simu kifaa hiki cha kupigia hesabu kama Junse É not doot toder. Chochote unachoacha kinatumia kiwango kilekile cha mwisho ambacho ukurasa huu haujakamilika; parameta isiyojulikana ni 400, si sufuri kimya kamwe. Soma habari kamili za API docs →
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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);Matokeo ni makadirio ya mwongozo wa ujumla, si wa kifedha, wa kitiba au wa kodi tu.