Kalkulator IRA Roth

Kira simpanan persaraan tanpa cukai Roth IRA anda. Sumbangkan dolar selepas cukai dan keluarkan tanpa cukai semasa bersara.

Butiran Anda

Maklumat Peribadi

Umur Semasa

Umur Persaraan

Status Pemfailan

Pendapatan & Cukai

Pendapatan Tahunan (MAGI)

Digunakan untuk menentukan kelayakan sumbangan

Kadar Cukai Semasa

Kadar Cukai Jangkaan

Sumbangan IRA Roth

Baki Roth IRA Semasa

Sumbangan Tahunan

Had 2024: $7,000 ($8,000 jika 50+)

Sertakan sumbangan mengejar masa (umur 50+)

Pulangan Pelaburan

Pulangan Tahunan Dijangka

Faedah Utama IRA Roth

Semua pertumbuhan adalah 100% bebas cukai! Bayar cukai sekarang untuk caruman, jangan sekali-kali membayar cukai ke atas keuntungan atau pengeluaran.

Fill out the form to see your projected Roth IRA tax-free balance, monthly income, and comparison with Traditional IRA.

Baki Tanpa Cukai semasa Persaraan

100% milik anda - tiada cukai terhutang!

Pendapatan Bulanan Tanpa Cukai

menggunakan peraturan 4%.

Tahun untuk Bersara

Jumlah Sumbangan

Keuntungan Tanpa Cukai

Kelayakan

100%

Roth IRA vs Perbandingan IRA Tradisional

Roth IRA (Bebas Cukai)

Tradisional (Selepas Cukai)

Kelebihan Roth

Perbandingan menganggap pengeluaran IRA Tradisional dikenakan cukai pada kadar cukai persaraan anda yang dijangkakan.

Pertumbuhan IRA Roth

Caruman vs Keuntungan Tanpa Cukai

Unjuran Tahun demi Tahun

Umur	Sumbangan	Keuntungan Tanpa Cukai	Baki

Panduan Pengguna Lengkap

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.

Cara Menggunakan Kalkulator Ini

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+).

Nota Penting

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.