Traditionele IRA-calculator

Bereken uw traditionele IRA-pensioensparen, belastingaftrek en vergelijk met belastbare beleggingsrekeningen.

Uw gegevens

Persoonlijke informatie

Inkomsten en belastingen

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IRA-bijdragen

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Limiet voor 2024: $ 7.000 ($ 8.000 bij 50+)

Investeringsrendementen

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Traditioneel versus Roth IRA

Traditionele IRA: belastingaftrek nu, belasting later betalen. Het beste als u een lager belastingtarief verwacht als u met pensioen gaat.

Fill out the form to see your projected Traditional IRA balance, tax savings, and comparison with a taxable account.

Volledige gebruikershandleiding

Wat is een traditionele IRA?

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).

Hoe deze rekenmachine te gebruiken

  1. Enter your age, retirement age, and filing status
  2. Enter annual income and current vs. retirement tax rates; check if you have a workplace plan
  3. Enter current IRA balance and annual contribution (2024: $7,000 or $8,000 with catch-up)
  4. 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.

Belangrijke opmerkingen

  • Withdrawals before 59½ may incur a 10%% penalty. RMDs start at 73.
  • For education only. Not financial or tax advice.

Traditioneel versus Roth 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.

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