Calculadora Roth IRA
Calcule suas economias de aposentadoria isentas de impostos de Roth IRA. Contribua com dólares após impostos e retire-os sem impostos na aposentadoria.
Seus detalhes
Principal benefício de Roth IRA
Todo o crescimento é 100% isento de impostos! Pague impostos agora sobre as contribuições, nunca pague impostos sobre ganhos ou retiradas.
Fill out the form to see your projected Roth IRA tax-free balance, monthly income, and comparison with Traditional IRA.
Saldo livre de impostos na aposentadoria
$0
100% seu - sem impostos devidos!
Renda mensal isenta de impostos
$0
usando a regra de 4%
O limite de renda afeta a elegibilidade
Anos até a aposentadoria
0
Contribuições totais
$0
Ganhos isentos de impostos
$0
Elegibilidade
100%
Comparação de Roth IRA vs IRA tradicional
Roth IRA (isento de impostos)
$0
Tradicional (após impostos)
$0
Vantagem Roth
$0
A comparação pressupõe que as retiradas tradicionais do IRA são tributadas de acordo com a taxa de imposto de aposentadoria esperada.
Crescimento de Roth IRA
Contribuições versus ganhos isentos de impostos
Projeção ano a ano
| Idade | Contribuição | Ganhos isentos de impostos | Equilíbrio |
|---|
Guia do usuário completo
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.
Como usar esta calculadora
- 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+).
Notas importantes
- 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.