Roth IRA calculator

So verwendest du den Roth IRA calculator

Was es berechnet und wann man es nutzt

Shows how much you can contribute bis a Roth IRA this year given your income und filing status, und projects tax-free grow..

So geht’s, Schritt für Schritt

1. Choose your filing status und enter your modified adjusted gross income.
2. Enter your Alter, the Alter you will withdraw und the expected return.
3. Read the allowed contribution und the projected Restschuld.

Was jede Eingabe bedeutet

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

So lesen Sie die Ergebnisse

• You Gebinde contribute – The full limit, a reduced Menge oder zero.
• Restschuld Zu withdrawal Alter – The projected Wert contributing that Menge Pro Stück Jahr.

Die Formel

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

Ein Rechenbeispiel

A single filer with 90,000 MAGI ist below the 153,000 phase-out start und can contribute the full 7,500. Contributing that für 25 years at 7% grows bis 507,574, which 320,074 ist tax-free grow..

Annahmen und Grenzen

• 2026 limits und phase-out ranges (single 153,000–168,000, married filing jointly 242,000–252,000, married filing separately 0–10,000).
• Earned income must be Zu least your contribution.
• Contributions are made Zu the start Pro Stück Jahr.

Häufige Fehler

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

Häufige Fragen

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

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