전통적인 IRA 계산기
Traditional IRA 퇴직 저축, 세금 공제를 계산하고 과세 대상 투자 계정과 비교하세요.
귀하의 세부 정보
전통 대 로스 IRA
Traditional IRA: 지금 세금 공제를 받고 나중에 세금을 납부합니다. 은퇴 시 낮은 세율을 기대하는 경우 가장 좋습니다.
Fill out the form to see your projected Traditional IRA balance, tax savings, and comparison with a taxable account.
퇴직 시 예상 잔액
$0
세후: $0
총 세금 절감
$0
100% 공제액
월 소득(세전)
$0
월 소득(세후)
$0
은퇴까지 남은 기간
0
IRA와 과세 계정 비교
전통 IRA
$0
과세 계정
$0
IRA 장점
$0
기여 내역
총 기부금
$0
투자 이익
$0
세금 절감
$0
세금 차익거래
$0
IRA 잔액 증가
성장의 원천
연도별 예측
| 나이 | 기부금 | 세금 절감 | 이득 | 균형 |
|---|
전체 사용자 가이드
전통 IRA란 무엇인가요?
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).
이 계산기를 사용하는 방법
- 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.
중요 사항
- Withdrawals before 59½ may incur a 10%% penalty. RMDs start at 73.
- For education only. Not financial or tax advice.
전통 대 로스 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.