Calculadora IRA tradicional

Calcule sus ahorros para la jubilación y las deducciones fiscales de su IRA tradicional y compárelos con las cuentas de inversión sujetas a impuestos.

Tus detalles

Información personal

Ingresos e impuestos

$
%
%

Contribuciones IRA

$
$

Límite de 2024: $7,000 ($8,000 si es mayor de 50 años)

Rentabilidad de la inversión

%

IRA tradicional frente a Roth

IRA tradicional: deducción de impuestos ahora, pago de impuestos después. Es mejor si espera una tasa impositiva más baja durante la jubilación.

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

Guía de usuario completa

¿Qué es una IRA tradicional?

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).

Cómo utilizar esta calculadora

  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.

Notas importantes

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

IRA tradicional frente a Roth

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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