Calculadora Roth IRA
Calcula els teus estalvis de jubilació lliures d'impostos de Roth IRA. Aportar dòlars després d'impostos i retirar-se lliure d'impostos durant la jubilació.
Els teus detalls
Avantatge clau de Roth IRA
Tot creixement és 100% lliure d'impostos! Pagueu ara impostos sobre les contribucions, mai pagueu impostos sobre guanys o retirades.
Fill out the form to see your projected Roth IRA tax-free balance, monthly income, and comparison with Traditional IRA.
Saldo lliure d'impostos a la jubilació
$0
100% teu, sense impostos!
Renda mensual lliure d'impostos
$0
utilitzant la regla del 4%.
El límit d'ingressos afecta l'elegibilitat
Anys fins a la jubilació
0
Aportacions totals
$0
Guanys lliures d'impostos
$0
Elegibilitat
100%
Comparació de l'IRA Roth i l'IRA tradicional
Roth IRA (lliure d'impostos)
$0
Tradicional (després d'impostos)
$0
Avantatge de Roth
$0
La comparació suposa que les retirades tradicionals de l'IRA es tributen a la taxa d'impost sobre la jubilació prevista.
Roth IRA Creixement
Contribucions vs guanys lliures d'impostos
Projecció anual
| Edat | Contribució | Guanys lliures d'impostos | Balanç |
|---|
Guia d'usuari completa
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.
Com utilitzar aquesta calculadora
- 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+).
Notes importants
- Contributions can be withdrawn anytime; earnings before 59½ may be subject to tax and penalty.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.