로스 IRA 계산기
Roth IRA 면세 퇴직 저축액을 계산해 보세요. 세후 금액을 기부하고 은퇴 시 세금 없이 인출하세요.
귀하의 세부 정보
Roth IRA 주요 혜택
모든 성장에는 100% 면세가 적용됩니다! 지금 기부금에 대해 세금을 납부하고, 이익이나 인출에 대해서는 세금을 내지 마십시오.
Fill out the form to see your projected Roth IRA tax-free balance, monthly income, and comparison with Traditional IRA.
퇴직 시 면세 잔액
$0
100% 귀하의 것입니다 - 납부할 세금이 없습니다!
비과세 월 소득
$0
4% 규칙 사용
소득 한도가 자격에 영향을 미칩니다
은퇴까지 남은 기간
0
총 기부금
$0
면세 이익
$0
적임
100%
Roth IRA와 기존 IRA 비교
로스 IRA(면세)
$0
전통적(세후)
$0
로스 어드밴티지
$0
비교에서는 기존 IRA 인출에 예상 퇴직 세율에 따라 세금이 부과된다고 가정합니다.
로스 IRA 성장
기부금과 비과세 이익
연도별 예측
| 나이 | 기부금 | 면세 이익 | 균형 |
|---|
전체 사용자 가이드
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.
이 계산기를 사용하는 방법
- 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+).
중요 사항
- Contributions can be withdrawn anytime; earnings before 59½ may be subject to tax and penalty.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.