ke-IRA calculator: traditional vs Ro

Cara menggunakan ke-IRA calculator: traditional vs Ro

Apa yang dihitung dan kapan digunakan

Compares a traditional IRA (Pajak relief now, Pajak on withdrawals) with a Roth IRA (Tidak relief now, tax-free withdrawals) given your Pajak Suku bunga now, dan in Pensiun.

Cara menggunakan, langkah demi langkah

1. Enter the pre-tax Jumlah you could invest Per buah Tahun.
2. Enter your Pajak Suku bunga now dan your expected tax rate di retirement.
3. Enter the Tahun Sampai you withdraw dan the expected return.

Arti setiap input

• Pre-tax Jumlah – What you could invest before Pajak. A Roth contribution costs the same after-tax Jumlah.
• Pajak rates – Your marginal rates now dan in Pensiun.

Cara membaca hasil

• Traditional after Pajak – The pot minus Pajak Pada your Pensiun Suku bunga.
• Roth pot – The after-tax contributions’ growth, all tax-free.
• Winner dan difference – Which adalah better dan by how much.

Rumus

ke-Traditional = contributions growing at r, then × (1 − retirement rate). Roth = contributions × (1 − current rate) growing at r. Both use end-of-period annuity-due grow.

Contoh perhitungan

Investing 7,000 before Pajak Pada 24% now, ke-with an 18% rate di retirement, 7% grow, dan 25 years: the traditional IRA nets 388,463 after tax dan the Roth 360,039, so traditional wins by 28,424.

Asumsi dan batasan

• The Pajak rates Aksi not Perubahan within the periods.
• The same amount after-tax money adalah spent di both cases.
• Income limits dan deduction rules may apply.

Kesalahan umum

• ke-Assuming the Ro adalah always better.

Pertanyaan yang sering diajukan

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

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