Roth IRA Hesaplayıcı
Roth IRA vergiden muaf emeklilik tasarruflarınızı hesaplayın. Vergi sonrası dolarlara katkıda bulunun ve emeklilikte vergiden muaf olarak para çekin.
Detaylarınız
Roth IRA Temel Avantajı
Tüm büyüme %100 vergiden muaftır! Katkılarınız için şimdi vergi ödeyin, kazançlarınız veya para çekmeleriniz için asla vergi ödemeyin.
Fill out the form to see your projected Roth IRA tax-free balance, monthly income, and comparison with Traditional IRA.
Emeklilikte Vergisiz Bakiye
$0
%100 sizindir - vergi borcunuz yok!
Vergisiz Aylık Gelir
$0
%4 kuralını kullanarak
Gelir Sınırı Uygunluğu Etkiler
Emekliliğe Kalan Yıllar
0
Toplam Katkılar
$0
Vergisiz Kazançlar
$0
Uygunluk
100%
Roth IRA ve Geleneksel IRA Karşılaştırması
Roth IRA (Vergisiz)
$0
Geleneksel (Vergi Sonrası)
$0
Roth Avantajı
$0
Karşılaştırma, Geleneksel IRA para çekme işlemlerinin beklenen emeklilik vergi oranınız üzerinden vergilendirildiğini varsayar.
Roth IRA Büyümesi
Katkılar ve Vergisiz Kazançlar
Yıllık Projeksiyon
| Yaş | Katkı | Vergisiz Kazançlar | Denge |
|---|
Kullanım Kılavuzunu Tamamlayın
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.
Bu Hesap Makinesi Nasıl Kullanılır?
- 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+).
Önemli Notlar
- Contributions can be withdrawn anytime; earnings before 59½ may be subject to tax and penalty.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.