Roth IRA калкулатор
Изчислете своите необлагаеми пенсионни спестявания на Roth IRA. Внасяйте долари след облагане с данъци и теглете без данъци при пенсиониране.
Вашите данни
Ключова полза на Roth IRA
Целият растеж е 100% необлагаем! Плащайте данъци сега върху вноски, никога не плащайте данъци върху печалби или тегления.
Fill out the form to see your projected Roth IRA tax-free balance, monthly income, and comparison with Traditional IRA.
Необлагаем баланс при пенсиониране
$0
100% ваш - без дължими данъци!
Необлагаем месечен доход
$0
използвайки правилото 4%.
Лимитът на доходите влияе върху допустимостта
Години до пенсиониране
0
Общо вноски
$0
Печалби без данъци
$0
Избираемост
100%
Сравнение на Roth IRA срещу традиционната IRA
Roth IRA (без данъци)
$0
Традиционен (след данъци)
$0
Предимство на Roth
$0
Сравнението предполага, че традиционните тегления на IRA се облагат с очакваната данъчна ставка при пенсиониране.
Ръст на Roth IRA
Вноски срещу печалби без данъци
Проекция година по година
| Възраст | Принос | Печалби без данъци | Баланс |
|---|
Пълно ръководство за потребителя
What is a Roth IRA?
A Roth IRA is an individual retirement account with after-tax contributions. All qualified withdrawals in retirement—including investment gains—are tax-free. There are no RMDs during your lifetime.
What Your Results Mean
Tax-Free Balance & Monthly Income
Your Roth balance at retirement is 100%% tax-free. Monthly income uses the 4%% rule; you keep every dollar.
Eligibility & Roth vs Traditional
Eligibility % shows how much you can contribute based on income limits. The comparison shows Roth (tax-free) vs Traditional (after-tax) at your expected retirement tax rate.
Как да използвате този калкулатор
- Enter your age, retirement age, and filing status
- Enter annual income (MAGI) and current/retirement tax rates
- Enter current Roth balance and annual contribution (2024: $7,000 or $8,000 with catch-up)
- Set expected annual return. Click Calculate to see projections and Roth vs Traditional.
Formulas & Income Limits (2024)
Contribution limit $7,000 ($8,000 if 50+). Income limits: Single full under $146K, phased out by $161K; Married full under $230K, phased out by $240K. Balance grows tax-deferred; qualified withdrawals (59½+ and 5-year rule) are tax-free.
5-year rule: Roth must be open 5+ years for earnings to be tax-free (with 59½+).
Важни бележки
- Contributions can be withdrawn anytime; earnings before 59½ may be subject to tax and penalty.
- For education only. Not financial or tax advice.
Roth vs Traditional & Backdoor
Roth: pay tax now, tax-free later—best if you expect same or higher tax rate in retirement. You can have both Roth and Traditional; combined contributions cannot exceed the annual limit. High earners over the income limit may use a Backdoor Roth (non-deductible Traditional then convert); consult a tax advisor.