Àwọn Ìṣàmúlò-ètò

Wo bi lẹhin-taxi Roth IRA ifowopamọ dagba ni kikun-taxi-free nipa retirement.

Àwọn ìṣàmúlò-ètò lọ́wọ́lọ́wọ́

Ògó Ìjáde

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Àwọn ìṣàmúlò-ètò ?

The 2026 limit is 7,500 (8,600 if age 50+).

Àwọn ìṣàmúlò-ètò

Àwọn Ìjánu-ìsún

Àwọn Ìjánu-ìṣàmúlò-ètò

Àwọn àwọn —

Àwọn ìṣàmúlò-ètò ìṣàmúlò-ètò —

Ìgbàdúró —

IRA tí a tì kọ́ nípa —

Àwọn Àtòjọ-ẹ̀yàn àwọn ìṣàmúlò-ètò

Ńlà àwọn àwọn ààtò àtòjọ-ẹ̀yàn yìí?

Àkóónú ìṣàmúlò-ètò yìí

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.

Àwọn Àtòjọ-ẹ̀yàn

Kini idi ti a Roth IRA ni ko si owo-ori?

O ti ṣe iranlọwọ owo ti o ti tẹlẹ san owo-ori owo-ori lori, ki o si IRS ko ṣe iranlọwọ owo-ori rẹ pada. Nigbati akọọlẹ ba jẹ o kere ju ọdun mẹta ati pe o ti kọja 59½, gbogbo ipadabọ - awọn ipadabọ ati idagbasoke bi - jade ni kikun laisi owo-ori owo-ori.

Roth tabi aṣa IRA - ti o dara ju?

A Roth wins nigbati rẹ owo sisan ninu retirement ni kanna tabi ga ju loni, nitori o ti daabobo ni loni ti o kere ju owo sisan. A traditional IRA le win ti o ba ti o nireti kan ti o kere ju owo sisan ninu retirement. The "traditional after tax" line shows the comparison.

Kini ni o ni awọn Roth IRA ifowopamọ ibiti o ti?

The IRS sets a yearly 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.

Nibo ni mo le yọ kuro lati a Roth IRA ọfẹ-taxi?

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 tabi 401(k) — ti o yẹ ki mo owo akọkọ?

A ti o wọpọ ofin ni lati ṣe iranlọwọ to lati a 401 (k) lati gba awọn kikun-iṣẹ-iṣẹ itẹwọgba akọkọ, nitori ti o jẹ owo ọfẹ, lẹhinna owo-ori kan Roth IRA fun rẹ tax-free idagbasoke ati awọn ti o tobi idoko-owo aṣayan. Oju-iwe yi modeled the Roth side of that plan.

Njẹ ẹ̀yàn Roth ná dájú àwọn àwọn ìtàn mí?

Aye. Igba owo owo bayi (Roth) beats san nigbamii (traditional) nigbati rẹ pensioning owo iye ni kanna tabi ga ju ti ọjọ. The comparison here taxes the traditional balance at the pensioning money amount you enter, so lowering that rate is what narrows the edge of Roth’s.

API — ló àwọn ìṣàmúlò-ètò yìí láti inú ìṣàmúlò-ètò

Fi àwọn ìṣàmúlò-ètò yìí kọ̀ǹpútà yìí láti jẹ́ ààyè-iṣẹ́ JSON tí a tí fi pamọ́ - kò ní bọ́tìnì kan tí a fẹ́. Fi àwọn fálù ààyè-iṣẹ́ sílẹ̀ sí bí àwọn àwọn ìṣàmúlò-ètò àti JSON. Anything you omit uses the same default this page is pre-filled with; an unknown parameter is a 400, never a silent zero. Ka àwọn àkọlé API kíkún →

Àwọn Ààyè Ìjánu-ìṣàmúlò-ètò

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.

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