Calculateur Roth IRA
Calculez votre épargne-retraite non imposable Roth IRA. Cotisez en dollars après impôt et retirez en franchise d'impôt à la retraite.
Vos coordonnées
Avantage clé du Roth IRA
Toute croissance est 100 % hors taxes ! Payez des impôts maintenant sur les cotisations, ne payez jamais d’impôts sur les gains ou les retraits.
Fill out the form to see your projected Roth IRA tax-free balance, monthly income, and comparison with Traditional IRA.
Solde libre d'impôt à la retraite
$0
100 % % à vous - aucun impôt à payer !
Revenu mensuel non imposable
$0
en utilisant la règle des 4%
Le plafond de revenu affecte l’admissibilité
Années jusqu'à la retraite
0
Cotisations totales
$0
Gains non imposables
$0
Admissibilité
100%
Comparaison Roth IRA et IRA traditionnel
Roth IRA (hors taxe)
$0
Traditionnel (après impôt)
$0
Avantage Roth
$0
La comparaison suppose que les retraits IRA traditionnels sont imposés au taux d’imposition de votre retraite prévu.
Croissance Roth IRA
Cotisations vs gains non imposables
Projection année par année
| Âge | Contribution | Gains non imposables | Équilibre |
|---|
Guide d'utilisation complet
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.
Comment utiliser cette calculatrice
- 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+).
Remarques importantes
- Contributions can be withdrawn anytime; earnings before 59½ may be subject to tax and penalty.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.