Roth IRA-calculator
Bereken uw Roth IRA belastingvrije pensioensparen. Draag dollars na belasting bij en neem belastingvrij op als u met pensioen gaat.
Uw gegevens
Roth IRA belangrijkste voordeel
Alle groei is 100% belastingvrij! Betaal nu belasting over bijdragen, betaal nooit belasting over winsten of opnames.
Fill out the form to see your projected Roth IRA tax-free balance, monthly income, and comparison with Traditional IRA.
Belastingvrij saldo bij pensionering
$0
100% van jou - geen belastingen verschuldigd!
Belastingvrij maandelijks inkomen
$0
met behulp van de 4%-regel
Inkomenslimiet heeft invloed op de geschiktheid
Jaren tot pensioen
0
Totale bijdragen
$0
Belastingvrije winsten
$0
Geschiktheid
100%
Roth IRA versus traditionele IRA-vergelijking
Roth IRA (belastingvrij)
$0
Traditioneel (na belastingen)
$0
Roth voordeel
$0
Bij vergelijking wordt ervan uitgegaan dat traditionele IRA-opnames worden belast tegen het verwachte pensioenbelastingtarief.
Roth IRA-groei
Bijdragen versus belastingvrije winsten
Projectie van jaar tot jaar
| Leeftijd | Bijdrage | Belastingvrije winsten | Evenwicht |
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Volledige gebruikershandleiding
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.
Hoe deze rekenmachine te gebruiken
- 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+).
Belangrijke opmerkingen
- 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.