Na'urar lissafin IRA: traditional ko Roth
Kwatanta traditional IRA, inda kuke tara haraji yanzu, da Roth IRA, inda cire kuɗi ba shi da haraji.
Game da Na'urar lissafin IRA: traditional ko Roth
Kwatanta traditional IRA, inda kuke tara haraji yanzu, da Roth IRA, inda cire kuɗi ba shi da haraji.
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Yadda ake amfani da Na'urar lissafin IRA: traditional ko Roth
Abin da yake lissafawa da lokacin amfani da shi
Yana kwatanta traditional IRA (sauƙin haraji yanzu, haraji a kan cirewa) da Roth IRA (babu sauƙi yanzu, cirewa ba tare da haraji ba) bisa kashin harajinku yanzu da a lokacin ritaya.
Yadda ake amfani da shi, mataki-mataki
- Shigar da adadin kafin haraji da za ku iya zubawa kowace shekara.
- Shigar da kashin harajinku yanzu da kashin harajin da kuke tsammani a lokacin ritaya.
- Shigar da shekarun har zuwa lokacin cirewa da ribar da ake tsammani.
Ma'anar kowace shigarwa
- Pre-tax Adadi – What you could invest before tax. A Roth contribution costs the same after-tax amount.
- Haraji rates – Your marginal rates now da cikin retirement.
Yadda ake karanta sakamako
- Traditional Bayan haraji – The pot minus tax at your retirement rate.
- Roth pot – The after-tax contributions’ growth, duka tax-free.
- Winner da difference – Which shi ne better da by how much.
Dabarar lissafi
Traditional = contributions growing at r, then × (1 − retirement rate). Roth = contributions × (1 − current rate) growing at r. Both use end-of-period annuity-due growth.
Misali da aka warware
Investing 7,000 before tax at 24% now, with an 18% rate in retirement, 7% growth and 25 years: the traditional IRA nets 388,463 after tax and the Roth 360,039, so traditional wins by 28,424.
Zato da iyakoki
- The tax rates do not change within the periods.
- The same amount na after-tax money shi ne spent a both cases.
- Income limits da deduction rules may apply.
Kurakuran da aka saba yi
- ta Assuming the Ro shi ne always better.
Tambayoyin da ake yawan yi
Idan kashin haraji daidai ne fa?
Duka biyun suna ƙarewa daidai. Roth kuma yana ba da sassauci kuma babu wajabcin mafi ƙarancin cirewa (required minimum distributions).
Dated rules: US federal figures for tax year 2026 (IRS Rev. Proc. 2025-32 and IRS notices). These calculators are estimates for planning, not tax advice.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Traditional: pot
- £473,735
- Traditional: Bayan haraji a Ritaya
- £388,463
- Roth: pot, duka tax-free
- £360,039
- Contribution into a Roth Kowanne shekara
- £5,320the iri ɗaya Kuɗin sayo zuwa you Bayan haraji