従来の IRA 計算機
Traditional IRA 退職貯蓄と税額控除を計算し、課税対象の投資口座と比較します。
あなたの詳細
トラディショナル vs Roth IRA
従来の IRA: 今すぐ税額控除し、後で税金を支払います。退職後の税率の低下を期待する場合に最適です。
Fill out the form to see your projected Traditional IRA balance, tax savings, and comparison with a taxable account.
退職時の予想残高
$0
税引後: $0
総節税額
$0
100% 控除可能
月収（税引前）
$0
月収（税引後）
$0
退職までの年数
0
IRAと課税口座の比較
従来の IRA
$0
課税口座
$0
IRAのアドバンテージ
$0
貢献の内訳
寄付総額
$0
投資利益
$0
節税
$0
税金の裁定取引
$0
IRA残高の増加
成長の源泉
年次予測
| 年 | 貢献 | 節税 | 利益 | バランス |
|---|
完全なユーザーガイド
従来の IRA とは何ですか?
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).
この計算機の使い方
- 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.
重要な注意事項
- Withdrawals before 59½ may incur a 10%% penalty. RMDs start at 73.
- For education only. Not financial or tax advice.
トラディショナル 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.