I-Roth IRA Calculator
Bona ukuba iindleko zeRoth IRA emva kwetyala zikhula zize zihlale zikhululekile ngokupheleleyo kwityala xa uphuma
Iinketho ze projekti
Malunga nale Calculator
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.
Imibuzo ebuza rhoqo
Kutheni iRoth IRA ingahlawuli ityala?
Unikezele imali osele uhlawulele kuyo i-VAT, ngoko ke i-IRS ayizukuyihlawula kwakhona. Xa i-akhawunti ineminyaka emihlanu ubudala kwaye uneminyaka engaphezu kwe-59½, yonke into oyenzayo – i-VAT kunye nokukhula – iphuma ngaphandle kwe-VAT.
I-Roth okanye i-IRA eqhelekileyo—yiphi engcono?
IRoth iphumelela xa umyinge wenzala wakho xa ushiya umsebenzi ulingana okanye uphezulu kunexesha elidlulileyo, kuba utshixa umyinge wenzala ophantsi okhoyo ngoku. I-IRA eqhelekileyo iphumelela xa ulindele umyinge wenzala ophantsi kakhulu xa ushiya umsebenzi. Umgca othi "oqhelekileyo emva kwetyala" ubonisa uthelekiso.
Yintoni umda wonikezelo lweRoth IRA?
I-IRS ibeka umda wonyaka-7,500 ngo-2026, okanye 8,600 ukuba uneminyaka engama-50 okanye ubudala. Abaqeshi abaphezulu banokuyeka ukuxhasa ngokuthe ngqo xa ukungena kwabo kudlula umda omiselweyo.
Ndiza kususa nini imali kwiRoth IRA engahlawuli ityala?
Ukurhoxisa okunoxanduva ngaphandle kwetyala kudinga ukuba iakhawunti ibe neminyaka emihlanu ubudala kwaye uneminyaka engaphezu kwe-59½. Ungasoloko uthatha inkxaso yakho ngaphandle kwetyala okanye umonakalo, kodwa ukurhoxisa ukukhula kuqala kunobangela umonakalo kunye netyala.
I-Roth IRA okanye i-401(k)—yiphi endinokuyisebenzisa kuqala?
Umthetho oqhelekileyo ukunceda i401(k) ukuba ifumane kuqala ixabiso elipheleleyo lomsebenzi, kuba le mali ikhululekile, emva koko uxhase iRoth IRA ukuze ikhule ikhululekile kwityala kwaye ikhethe urhwebo olubanzi. Eli sixhobo libonisa iRoth ecaleni kwalo mnqweno.
Ingaba uncedo lweRoth luxhomekeke kwinqanaba lam letyala?
Ewe. Ukufumana ityala ngoku (Roth) kungcono kunokufumana ityala kamva (inkqubo eqhelekileyo) xa umyinge wenzala wokuphuma emisebenzini ulingana okanye uphezulu kunexesha elidlulileyo. Uthelekiso apha luhlawula ityala ixabiso eliqhelekileyo kwinqanaba lomyinge wenzala wokuphuma emisebenzini olungenayo, ngoko ke ukunyusa umyinge wenzala kulapho uRoth ekhawulezayo khona.
API — sebenzisa le calculator ukusuka kwikhowudi
Nceda le khadi lemali njengendawo esemva ye-JSON ekhululekileyo - akukho qhosha lifunekayo. Thumela amaxabiso endawo ezantsi njengeparameter yombuzo okanye i-JSON. Nantoni na oyenzayo isebenzisa okungagqibekanga okufanayo eli phepha ligqityiwe ngaphambili; iparameter engaziwayo yi 400, ayikho i zero ekhululekileyo. Funda i-API epheleleyo →
Incopho yesiphelo
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);Results are estimates for general guidance only, not financial, medical or tax advice.