I-Roth IRA Calculator
Bona ukuthi kanjani ngemuva-izimali Roth IRA izithonya zikhula ngokuphelele imali engenayo-free ngokuzibophezela.
Iziphetho zivuselelwa uma ubhala.
Malunga nale khadi
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 ebuzwa kaningi
Kungani iRoth IRA ingekho emthethweni?
Unikela imali ongayikhokhile izimali zemali engenayo, ngakho i-IRS ayikhokhi imali. Uma i-akhawunti ineminyaka emine ubudala futhi ungaphezu kuka-59½, yonke inkokhelo - inkokhelo nokukhula - iphuma ngaphandle kwezimali.
Roth noma ejwayelekile IRA - okuyinto engcono?
A Roth wins lapho isilinganiso sakho sezimali ekuqhekekeni kufana noma phezulu kunanamuhla, njengoba uvala ku isilinganiso esiphansi namhlanje. A IRA ejwayelekile ingawina uma ulindele isilinganiso esiphansi kakhulu ekuqhekekeni. The "ejwayelekile ngemuva kwezimali" intambo ibonisa ukuqhathaniswa.
Yini umkhawulo we-Roth IRA?
I-IRS ibeka umkhawulo wonyaka — 7,500 ngo-2026, noma 8,600 uma uneminyaka engu-50 noma ngaphezulu. Abathola imali eningi bangakhishwa ekuhlolweni ngokuqondile uma imali yabo idlula ama-limits abekwe.
Ngabe ngizokwazi ukukhishwa ku-Roth IRA ngaphandle kwezindleko?
Ukukhishwa kwezimali okungakhokhwa impahla kudinga ukuthi i-akhawunti ibe neminyaka emihlanu ubudala futhi uneminyaka engaphezu kuka-59½. Ungahlala uthatha izikweletu zakho ngaphandle kwezindleko zokufaka impahla, kodwa ukukhishwa kwezimali okuqhubekayo kungaholela ekukhokhweni impahla kanye nokulungiswa kwezindleko.
Roth IRA noma 401(k) — okunye okufanele ngikhokhele kuqala?
Umthetho ojwayelekile ukunikeza okunembile ku-401 (k) ukuthola i-match egcwele yomqashi kuqala, ngoba lokho kuyimali emahhala, bese ukhokhela i-Roth IRA ye-tax-free growth ne-wide investment choice. Lezi zinto zisebenzisa i-Roth side ye-plan.
Ingabe iRoth ihlobene nenani lemiholo yami?
Yebo. Ukukhokha imali mboleko manje (Roth) ishaya ukukhokha kamuva (ejwayelekile) lapho isilinganiso sakho semali mboleko yokuzibophezela silingana noma siphezulu kunalesi sikhathi. Ukuqhathaniswa lapha ikhokhisa imali mboleko isilinganiso esijwayelekile esiphezulu semali mboleko yokuzibophezela okungena kuyo, ngakho ukuncipha kwalolu silinganiso kulokho okuncane i-Roth’s edge.
API — sebenzisa le calculator kusuka kukhodi
Nquma le calculator njenge JSON evulekile yendawo yokuqeda - akukho isithonjana esidingekayo. Thumela amaxabiso endawo ngezansi njengezilungiselelo zombuzo noma i-JSON. Noma yini ongayishiya isebenzisa iphutha elifanayo elifakwe ngaphambili lekhasi; ipharamitha engaziwa yi-400, ayikho i-zero emnyama. Funda i-API egcwele →
Ingxenye yendawo
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);Izibalo ziyisilinganiso esisetshenziswa ukuqondisa kuphela, hhayi ukucebisa ngezimali, ukwelashwa noma ukukhokha.