Roth IRA 计算器
看看劳斯税后爱尔兰共和军的缴款如何通过退休而完全免税。
输入结果时更新 。
关于此计算器
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.
经常问到的问题
为什么罗斯爱尔兰共和军免税?
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.
罗斯还是传统的爱尔兰共和军——哪个更好?
退休后,如果退休税率与今天相同或更高,那么,若您锁定今天较低的税率,Aroth就会获胜。 如果期待退休税率要低得多,传统的爱尔兰共和军可以获胜。 “税后传统”线显示了对比。
罗思爱尔兰共和军的缴款限额是多少?
国税局规定年度限额——2026年7 500人,50岁或50岁以上者为8 600人,高收入者一旦收入超过规定的限额,可直接退出缴款。
我什么时候才能从罗斯爱尔兰共和军免税的退税?
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.
罗思爱尔兰共和军还是401(k)——我应该先资助哪一方?
共同的命令是向401(k)支付足够的捐款,以便首先让雇主完全匹配,因为那是免费的,然后资助罗斯爱尔兰共和军进行免税增长和更广泛的投资选择。 这个工具可以作为该计划的罗斯一方的模型。
罗斯的好处取决于我的税率吗?
是的。 现在就(罗斯)纳税比(传统)在退休税率等于或高于今天时(传统)再纳税。 比较这里的税收是按你所输入的退休税率来计算的传统平衡,因此降低这一税率就是缩小罗斯边缘的原因。
API - 使用代码中的计算器
将此计算器称为自由 JSON 端点 。 不需要按键 。 将字段值发送到下面作为查询参数或 JSON 。 任何您省略的, 都会使用相同的默认值, 此页面预填的默认值是预填的; 未知参数是 400, 而不是静音零 。 读取 API 全部文件 →
终点
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);成果仅是一般指导的估计数,而不是财务、医疗或税务咨询。