Традиционен IRA калкулатор

Изчислете вашите традиционни пенсионни спестявания на IRA, данъчни облекчения и сравнете с облагаемите инвестиционни сметки.

Вашите данни

Лична информация

Доходи и данъци

$
%
%

Вноски на IRA

$
$

Лимит за 2024 г.: $7000 ($8000, ако сте над 50 години)

Възвръщаемост на инвестициите

%

Традиционен срещу Roth IRA

Традиционен IRA: Данъчно приспадане сега, плащане на данъци по-късно. Най-добре, ако очаквате по-ниска данъчна ставка при пенсиониране.

Fill out the form to see your projected Traditional IRA balance, tax savings, and comparison with a taxable account.

Пълно ръководство за потребителя

Какво е традиционна IRA?

A Traditional IRA is an individual retirement account with tax-deductible contributions (subject to income limits if you have a workplace plan). Money grows tax-deferred; you pay income tax when you withdraw in retirement, often at a lower rate.

What Your Results Mean

Projected Balance & After-Tax

Your IRA balance at retirement and the after-tax value (after applying your estimated retirement tax rate). Monthly income uses the 4% rule.

Tax Savings & IRA vs Taxable

Total tax savings from deductible contributions. IRA advantage is how much more you end up with vs. a taxable account (same contributions and return, but no deduction and capital gains tax).

Как да използвате този калкулатор

  1. Enter your age, retirement age, and filing status
  2. Enter annual income and current vs. retirement tax rates; check if you have a workplace plan
  3. Enter current IRA balance and annual contribution (2024: $7,000 or $8,000 with catch-up)
  4. Set expected annual return. Click Calculate to see projections and comparison.

Formulas & Limits

Deductibility: If you have no workplace plan, contributions are fully deductible. With a workplace plan, single full deduction up to $77K (2024), phased out by $87K; married full up to $123K, phased out by $143K. Contribution limit $7,000 ($8,000 if 50+). Withdrawals taxed as ordinary income; 4% rule used for monthly income estimate.

Важни бележки

  • Withdrawals before 59½ may incur a 10%% penalty. RMDs start at 73.
  • For education only. Not financial or tax advice.

Традиционен срещу Roth IRA

Traditional: deduct now, pay tax later—best if you expect a lower tax rate in retirement. Roth: pay tax now, tax-free later—best if you expect the same or higher rate. You can contribute to both a 401(k) and an IRA; deductibility limits apply when you have a workplace plan.

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