Roth IRA calculator

كيفية استخدام Roth IRA calculator

ما الذي يحسبه ومتى تستخدمه

من Shows how much you can contribute إلى a Roth IRA this year given your income وfiling status, والprojects tax-free grow.

طريقة الاستخدام خطوة بخطوة

1. Choose your filing status وenter your modified adjusted gross income.
2. Enter your العمر وthe العمر you will withdraw وthe expected return.
3. Read the allowed contribution وthe projected الرصيد.

معنى كل مُدخل

• MAGI – Your adjusted gross income with certain deductions added back.
• Filing status – Sets the income phase-out المدى.

كيف تقرأ النتائج

• You علبة contribute – The full limit, a reduced الكمية أو zero.
• الرصيد بسعر withdrawal العمر – The projected القيمة contributing that الكمية للقطعة السنة.

الصيغة

Limit = 7,500 (plus 1,100 if 50 أو older). In the phase-out range the contribution = limit × (top من من range − MAGI) ÷ range width, rounded up إلى the next 10 with a minimum من 200. Balance = balance × (1 + r)^n + contribution × ((1 + r)^n − 1) ÷ r × (1 + r).

مثال محلول

A single filer with 90,000 MAGI هو below the 153,000 phase-out start وcan contribute the full 7,500. Contributing that مقابل من 25 years at 7% grows إلى 507,574, من which 320,074 هو الtax-free grow.

الافتراضات والحدود

• 2026 limits وphase-out ranges (single 153,000–168,000, married filing jointly 242,000–252,000, married filing separately 0–10,000).
• Earned income must be بسعر least your contribution.
• Contributions are made بسعر the البداية من للقطعة السنة.

أخطاء شائعة

• Contributing above the limit, which triggers a penalty.
• Forgetting that withdrawals من earnings before 59½ may be taxed.

الأسئلة الشائعة

Dated rules: US federal figures مقابل tax year 2026 (IRS Rev. Proc. 2025-32 وIRS notices). These calculators are estimates مقابل planning, not tax advice.

أدوات ذات صلة