रोथ आईआरए कैलकुलेटर
अपनी रोथ आईआरए कर-मुक्त सेवानिवृत्ति बचत की गणना करें। कर-पश्चात डॉलर का योगदान करें और सेवानिवृत्ति में कर-मुक्त निकासी करें।
आपका विवरण
रोथ आईआरए प्रमुख लाभ
सभी विकास 100% कर-मुक्त हैं! अंशदान पर अभी कर का भुगतान करें, लाभ या निकासी पर कर का भुगतान कभी न करें।
Fill out the form to see your projected Roth IRA tax-free balance, monthly income, and comparison with Traditional IRA.
सेवानिवृत्ति पर कर-मुक्त शेष राशि
$0
100% आपका - कोई कर बकाया नहीं!
कर-मुक्त मासिक आय
$0
4% नियम का उपयोग करना
आय सीमा पात्रता को प्रभावित करती है
सेवानिवृत्ति के लिए वर्ष
0
कुल योगदान
$0
कर-मुक्त लाभ
$0
पात्रता
100%
रोथ आईआरए बनाम पारंपरिक आईआरए तुलना
रोथ आईआरए (कर-मुक्त)
$0
पारंपरिक (कर-पश्चात)
$0
रोथ लाभ
$0
तुलना मानती है कि पारंपरिक IRA निकासी पर आपकी अपेक्षित सेवानिवृत्ति कर दर पर कर लगाया जाता है।
रोथ आईआरए ग्रोथ
योगदान बनाम कर-मुक्त लाभ
वर्ष-दर-वर्ष प्रक्षेपण
| आयु | योगदान | कर-मुक्त लाभ | संतुलन |
|---|
संपूर्ण उपयोगकर्ता मार्गदर्शिका
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.
इस कैलकुलेटर का उपयोग कैसे करें
- 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+).
महत्वपूर्ण नोट्स
- Contributions can be withdrawn anytime; earnings before 59½ may be subject to tax and penalty.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.