Na'urar lissafin Roth IRA
Nawa za ku iya sakawa a Roth IRA a bana bisa kuɗin shigarku, da abin da zai iya zama ba tare da haraji ba.
Game da Na'urar lissafin Roth IRA
Nawa za ku iya sakawa a Roth IRA a bana bisa kuɗin shigarku, da abin da zai iya zama ba tare da haraji ba.
Ɓangare ne na sashen “Ritaya” na SmartCalcy. Yana aiki a burauzar ku ba tare da asusu ba, yana amfani da kuɗinku da ma'aunanku (canza su a saman shafin), kuma yana ba da ƙiyasi don bayani kawai, don haka duba jagorar hukuma kafin ku dogara da sakamako.
Yadda ake amfani da Na'urar lissafin Roth IRA
Abin da yake lissafawa da lokacin amfani da shi
Yana nuna yawan abin da za ku iya ba da gudummawa ga Roth IRA a wannan shekara bisa kuɗin shigarku da matsayin shigar da haraji (filing status), kuma yana hasashen haɓaka ba tare da haraji ba.
Yadda ake amfani da shi, mataki-mataki
- Zaɓi matsayin shigar da harajinku kuma shigar da modified adjusted gross income ɗinku.
- Shigar da shekarunku, shekarun da za ku cire da ribar da ake tsammani.
- Karanta gudummawar da aka yarda da adadin da aka hasashe.
Ma'anar kowace shigarwa
- MAGI – Your adjusted gross income with certain deductions added back.
- Filing status – Sets the income phase-out kewayo.
Yadda ake karanta sakamako
- You can contribute – The cika limit, a reduced Adadi ko zero.
- Saura at withdrawal age – The projected value contributing that amount each year.
Dabarar lissafi
Limit = 7,500 (plus 1,100 if 50 or older). In the phase-out range the contribution = limit × (top of range − MAGI) ÷ range width, rounded up to the next 10 with a minimum of 200. Balance = balance × (1 + r)^n + contribution × ((1 + r)^n − 1) ÷ r × (1 + r).
Misali da aka warware
A single filer with 90,000 MAGI is below the 153,000 phase-out start and can contribute the full 7,500. Contributing that for 25 years at 7% grows to 507,574, of which 320,074 is tax-free growth.
Zato da iyakoki
- 2026 limits and 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 at least your contribution.
- Contributions are made at the Farawa na Kowanne shekara.
Kurakuran da aka saba yi
- Contributing above the limit, which triggers a penalty.
- Forgetting that withdrawals na earnings Kafin 59½ may be taxed.
Tambayoyin da ake yawan yi
Idan kuɗin shigata ya yi yawa fa?
Wataƙila har yanzu za ku iya amfani da “backdoor” Roth conversion. Tambayi mai ba da shawara kan haraji.
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
- Phase-out kewayo
- £153,000 zuwa £168,000
- Saura at withdrawal age
- £507,574contributing £7,500 a shekara
- Jimilla you put in
- £187,500
- ta Tax-free grow
- £320,074