Calculadora IRA Tradicional
Calcule suas economias de aposentadoria do IRA tradicional, deduções fiscais e compare com contas de investimento tributáveis.
Seus detalhes
Tradicional vs Roth IRA
IRA tradicional: dedução fiscal agora, pague impostos depois. Melhor se você espera uma taxa de imposto mais baixa na aposentadoria.
Fill out the form to see your projected Traditional IRA balance, tax savings, and comparison with a taxable account.
Saldo projetado na aposentadoria
$0
Após impostos: $0
Economia fiscal total
$0
100% franquia
Renda Mensal (antes de impostos)
$0
Renda mensal (após impostos)
$0
Anos até a aposentadoria
0
Comparação de IRA vs conta tributável
IRA tradicional
$0
Conta tributável
$0
Vantagem IRA
$0
Repartição das Contribuições
Contribuições totais
$0
Ganhos de investimento
$0
Economia fiscal
$0
Arbitragem Tributária
$0
Crescimento do equilíbrio IRA
Fonte de crescimento
Projeção ano a ano
| Idade | Contribuição | Economia fiscal | Ganhos | Equilíbrio |
|---|
Guia do usuário completo
O que é um IRA tradicional?
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).
Como usar esta calculadora
- 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.
Notas importantes
- Withdrawals before 59½ may incur a 10%% penalty. RMDs start at 73.
- For education only. Not financial or tax advice.
Tradicional vs 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.