Kalkulator Roth IRA

Hitung tabungan pensiun bebas pajak Roth IRA Anda. Menyumbangkan dolar setelah pajak dan menarik dana bebas pajak di masa pensiun.

Detail Anda

Informasi Pribadi

Usia Saat Ini

Usia pensiun

Status Pengarsipan

Pendapatan & Pajak

Pendapatan Tahunan (MAGI)

Digunakan untuk menentukan kelayakan kontribusi

Tarif Pajak Saat Ini

Tarif Pajak yang Diharapkan

Kontribusi Roth IRA

Saldo Roth IRA Saat Ini

Kontribusi Tahunan

Batas tahun 2024: $7.000 ($8.000 jika 50+)

Sertakan kontribusi tambahan (usia 50+)

Hasil Investasi

Pengembalian Tahunan yang Diharapkan

Manfaat Utama Roth IRA

Semua pertumbuhan 100% bebas pajak! Bayar pajak sekarang atas kontribusi, jangan pernah membayar pajak atas keuntungan atau penarikan.

Fill out the form to see your projected Roth IRA tax-free balance, monthly income, and comparison with Traditional IRA.

Saldo Bebas Pajak saat Pensiun

100% milik Anda - tidak ada pajak terutang!

Penghasilan Bulanan Bebas Pajak

menggunakan aturan 4%.

Tahun Menuju Pensiun

Jumlah Kontribusi

Keuntungan Bebas Pajak

Kelayakan

100%

Perbandingan Roth IRA vs IRA Tradisional

Roth IRA (Bebas Pajak)

Tradisional (Setelah Pajak)

Keuntungan Roth

Perbandingan mengasumsikan penarikan IRA tradisional dikenakan pajak sesuai tarif pajak pensiun yang Anda harapkan.

Pertumbuhan Roth IRA

Kontribusi vs Keuntungan Bebas Pajak

Proyeksi Tahun demi Tahun

Usia	Kontribusi	Keuntungan Bebas Pajak	Keseimbangan

Panduan Pengguna Lengkap

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.

Cara Menggunakan Kalkulator Ini

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+).

Catatan Penting

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.