Calcolatore dell'IRA Roth
Calcola il tuo risparmio previdenziale esentasse Roth IRA. Contribuisci in dollari al netto delle imposte e preleva esentasse in pensione.
I tuoi dettagli
Vantaggio chiave di Roth IRA
Tutta la crescita è al 100% esentasse! Paga ora le tasse sui contributi, non pagare mai le tasse sui guadagni o sui prelievi.
Fill out the form to see your projected Roth IRA tax-free balance, monthly income, and comparison with Traditional IRA.
Saldo esentasse alla pensione
$0
100% tuo: nessuna tassa dovuta!
Reddito mensile esentasse
$0
utilizzando la regola del 4%.
Il limite di reddito influisce sull'ammissibilità
Anni alla pensione
0
Contributi totali
$0
Guadagni esentasse
$0
Idoneità
100%
Confronto Roth IRA vs IRA tradizionale
Roth IRA (esentasse)
$0
Tradizionale (al netto delle imposte)
$0
Vantaggio Roth
$0
Il confronto presuppone che i prelievi tradizionali dell'IRA siano tassati in base all'aliquota fiscale prevista per la pensione.
Crescita Roth IRA
Contributi vs guadagni esentasse
Proiezione anno per anno
| Età | Contributo | Guadagni esentasse | Bilancia |
|---|
Guida per l'utente completa
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.
Come utilizzare questa calcolatrice
- 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+).
Note importanti
- Contributions can be withdrawn anytime; earnings before 59½ may be subject to tax and penalty.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.