Roth IRA calculator

Cara menggunakan Roth IRA calculator

Apa yang dihitung dan kapan digunakan

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

Cara menggunakan, langkah demi langkah

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

Arti setiap input

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

Cara membaca hasil

• You kaleng contribute – The full limit, a reduced Jumlah atau zero.
• Saldo Pada withdrawal Usia – The projected Nilai contributing that Jumlah Per buah Tahun.

Rumus

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

Contoh perhitungan

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

Asumsi dan batasan

• 2026 limits dan 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 Pada least your contribution.
• Contributions are made Pada the Mulai Per buah Tahun.

Kesalahan umum

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

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.

Alat terkait