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
Roth IRA calculator calculates your tax-free 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. If a traditional account held the same balance and withdrawals were taxed at 22%, you would keep about 796,000 — the gap is the Roth advantage. 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.Use this calculator to project a tax-free retirement pot and to judge whether a Roth beats a traditional IRA.Use this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this calculator to project a tax-free retirement potUse this
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?
IRS imisa umkhawulo ngonyaka - 7,000 ngo-2024, noma 8,000 uma uneminyaka engu-50 noma ngaphezulu - osebenzisa i-calculator njengengxenye ejwayelekile. Abathola imali ephakeme bangase bahlukaniswe 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 ube uneminyaka engaphezu kuka-59½. Ungahlala uthatha izikweletu zakho ngaphandle kwezindleko zokufaka impahla, kodwa ukukhishwa kwezimali okuqhubekayo kungaholela ekukhokhweni impahla kanye nezindleko zokufaka impahla.
Roth IRA noma 401(k) — okunye okufanele ngikhokhele kuqala?
Umthetho ojwayelekile ukunikeza okunembile ku-401 (k) ukuthola i-match egcwele yomqashi kuqala, njengoba kuyisimali esimahhala, 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 umkhawulo wakho wezimali zokuzibophezela ulingana noma uphezulu kunamanje. Ukuqhathaniswa lapha ikhokhisa imali mboleko isilinganiso esijwayelekile ku-umkhawulo wezimali zokuzibophezela okungena, ngakho ukuncipha kwalolu silinganiso kulokho okuncane i-Roth’s edge.
API — sebenzisa le calculator kusuka kukhodi
Nquma le kalkuli njengendawo ephelezelwa i-JSON - akukho isitshixo esidingekayo. Thumela amaxabiso endawo ngezansi njengepharamitha yombuzo noma i-JSON. 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.