Roth IRA 計算機
Roth IRA の非課税退職後の貯蓄額を計算します。税引後の金額を寄付し、退職時に非課税で引き出します。
あなたの詳細
Roth IRA の主な利点
すべての成長は 100% 非課税です。寄付に対しては今すぐ税金を支払い、利益や引き出しに対しては決して税金を支払わないでください。
Fill out the form to see your projected Roth IRA tax-free balance, monthly income, and comparison with Traditional IRA.
退職時の非課税残高
$0
100% あなたのものです - 税金はかかりません!
非課税月収
$0
4% ルールを使用する
所得制限は資格に影響する
退職までの年数
0
寄付総額
$0
非課税利益
$0
資格
100%
Roth IRA と従来の IRA の比較
Roth IRA (非課税)
$0
従来型（税引後）
$0
ロスアドバンテージ
$0
比較では、従来の IRA の出金には予想される退職税率で課税されると仮定しています。
ロスIRAの成長
拠出金と非課税利益の比較
年次予測
| 年 | 貢献 | 非課税利益 | バランス |
|---|
完全なユーザーガイド
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.
この計算機の使い方
- 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+).
重要な注意事項
- Contributions can be withdrawn anytime; earnings before 59½ may be subject to tax and penalty.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.