Kalkulator IRA Tradisional
Hitung tabungan pensiun IRA Tradisional Anda, pengurangan pajak, dan bandingkan dengan akun investasi kena pajak.
Detail Anda
Tradisional vs Roth IRA
IRA Tradisional: Pengurangan pajak sekarang, bayar pajak nanti. Yang terbaik adalah jika Anda mengharapkan tarif pajak yang lebih rendah di masa pensiun.
Fill out the form to see your projected Traditional IRA balance, tax savings, and comparison with a taxable account.
Proyeksi Saldo Saat Pensiun
$0
Setelah pajak: $0
Total Penghematan Pajak
$0
100% dapat dikurangkan
Pendapatan Bulanan (Sebelum Pajak)
$0
Pendapatan Bulanan (Setelah Pajak)
$0
Tahun Menuju Pensiun
0
Perbandingan Akun Kena Pajak vs IRA
IRA tradisional
$0
Rekening Kena Pajak
$0
Keuntungan IRA
$0
Rincian Kontribusi
Jumlah Kontribusi
$0
Keuntungan Investasi
$0
Penghematan Pajak
$0
Arbitrase Pajak
$0
Pertumbuhan Saldo IRA
Sumber Pertumbuhan
Proyeksi Tahun demi Tahun
| Usia | Kontribusi | Penghematan Pajak | Keuntungan | Keseimbangan |
|---|
Panduan Pengguna Lengkap
Apa itu IRA Tradisional?
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).
Cara Menggunakan Kalkulator Ini
- Enter your age, retirement age, and filing status
- Enter annual income and current vs. retirement tax rates; check if you have a workplace plan
- Enter current IRA balance and annual contribution (2024: $7,000 or $8,000 with catch-up)
- 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.
Catatan Penting
- Withdrawals before 59½ may incur a 10%% penalty. RMDs start at 73.
- For education only. Not financial or tax advice.
Tradisional vs Roth IRA
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.