Roth IRA Kalkülatory
Göreýin, nädip Roth IRA-nyň tölegden soň tölegsiz gatnaşygy pensionerlik bilen doly tölegsiz ösýär.
Netijeler ýazýan wagtyň täzelener.
Bu hasapçy hakda
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.
Köp soralýan soraglar
Näme üçin Roth IRA salgytsyz?
Siz öňden töleg tölän puly goşýarsyňyz, şonuň üçin IRS ony ýene töleg etmeýär. Hasabyňyz azyndan bäş ýyllyk bolsa we siz 59½ ýaşdan uly bolsaňyz, her bir çykarmak — goşmaçalar we ösme — doly tölegsiz çykýar.
Roth ýa-da däp bolan IRA - haýsy gowy?
Roth, eger siziň pensiýa çykanyňyzda salgyt tölegiňiz şu günkiden deň ýa-da has ýokary bolsa, ýeňiş gazanýar, sebäbi siz şu günki aşakky tölegi ýapyşdyryp goýýarsyňyz. Bir däp bolan IRA, eger siz pensiýa çykanyňyzda has aşakky tölegi umyt etseňiz ýeňiş gazanyp biler. "traditional after tax" hat deňeşdirişi görkezýär.
Roth IRA paýlaşmak çäklendirmesi näme?
IRS bir ýyllyk çäklendirmeni goýýar — 2026 üçin 7,500, ýa-da 8,600 eger siz 50 ýa-da has ulu bolsaňyz. Beýik girdejiler öz girdejileri belli bir çäklendirmelerden geçende göni gatnaşmakdan aýrylyp bilerler.
Men Roth IRA-dan neçe wagt soň çykyp bilerin?
Saýlanan tölegsiz çykarmalar hasabyň azyndan bäş ýyllyk bolmagyny we siziň 59½ ýaşdan ulu bolmagyny talap edýär. Siz her wagt öz paýyňyzy tölegsiz we jezasyz alyp bilersiňiz, emma öňden çykarmak ösmegi tölegleri we jezalary döredip biler.
Roth IRA ýa-da 401(k) — hany öňe goýmaly?
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 üstünligi meniň salgyt derejeme baglymy?
Eý. Siziň ätiýaçlyk ätiýaçlyk tölegiňiz şu günkiden deň ýa-da has ýokary bolsa, indi töleg etmek (Roth) soň töleg etmekden (tradysion) üstün çykýar. Şu ýerde deňeşdirme ätiýaçlyk ätiýaçlyk tölegiňizi girizmek bilen ätiýaçlyk ätiýaçlyk tölegiň däpleýin balansyny töleg edýär, şonuň üçin bu tölegi azaltmak Roth's edge-i daraldar.
API — bu hasapçyny koddan ullan
Bu hasapçyny boş JSON ahtar noktasy hökmünde çagyr - açar gerek däl. Aşakdaky meýdança mykdarlaryny soragyň parametrleri ýa-da JSON hökmünde iber. Siziň goýmaýan hernäňiz şu sahypanyň öň bellenen öň bellenenini ulanýar; namydar parametr 400, hiç wagt sessiz sıfır däl. Eňlisçe senedleri oka →
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);Netijeler diňe umumy ýardam üçin hasaplanypdyr, maliýe, saglyk ýa-da salgyt maslahaty üçin däl.