Kalkulator IRA Tradisional
Kira simpanan persaraan IRA Tradisional anda, potongan cukai dan bandingkan dengan akaun pelaburan bercukai.
Butiran Anda
IRA Tradisional vs Roth
IRA Tradisional: Potongan cukai sekarang, bayar cukai kemudian. Terbaik jika anda menjangkakan kadar cukai yang lebih rendah semasa bersara.
Fill out the form to see your projected Traditional IRA balance, tax savings, and comparison with a taxable account.
Baki Unjuran pada Persaraan
$0
Selepas cukai: $0
Jumlah Penjimatan Cukai
$0
100% boleh ditolak
Pendapatan Bulanan (Sebelum cukai)
$0
Pendapatan Bulanan (Selepas cukai)
$0
Tahun untuk Bersara
0
IRA vs Perbandingan Akaun Bercukai
IRA tradisional
$0
Akaun Bercukai
$0
Kelebihan IRA
$0
Pecahan Sumbangan
Jumlah Sumbangan
$0
Keuntungan Pelaburan
$0
Penjimatan Cukai
$0
Arbitraj Cukai
$0
Pertumbuhan Baki IRA
Sumber Pertumbuhan
Unjuran Tahun demi Tahun
| Umur | Sumbangan | Penjimatan Cukai | Keuntungan | Baki |
|---|
Panduan Pengguna Lengkap
Apakah IRA Tradisional?
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).
Cara Menggunakan Kalkulator Ini
- 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.
Nota Penting
- Withdrawals before 59½ may incur a 10%% penalty. RMDs start at 73.
- For education only. Not financial or tax advice.
IRA Tradisional vs Roth
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.