IRA calculator: traditional contro Roª

Come usare il IRA calculator: traditional contro Roª

Cosa calcola e quando usarlo

Compares a traditional IRA (Imposta relief now, Imposta on withdrawals) with a Roth IRA (no relief now, tax-free withdrawals) given your Imposta Tasso now e in Pensione.

Come si usa, passo dopo passo

1. Enter the pre-tax Quantità you could invest Ciascuno Anno.
2. Enter your Imposta Tasso now e your expected tax rate a retirement.
3. Enter the Anni fino al you withdraw e the expected return.

Cosa significa ogni dato

• Pre-tax Quantità – What you could invest prima Imposta. A Roth contribution costs the same after-tax Quantità.
• Imposta rates – Your marginal rates now e in Pensione.

Come leggere i risultati

• Traditional dopo Imposta – The pot minus Imposta A your Pensione Tasso.
• Roth pot – The after-tax contributions’ growth, all tax-free.
• Winner e difference – Which è better e by how much.

La formula

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

Un esempio pratico

Investing 7,000 prima Imposta A 24% now, with an 18% rate a retirement, 7% growª e 25 years: the traditional IRA nets 388,463 after tax e the Roth 360,039, so traditional wins by 28,424.

Ipotesi e limiti

• The Imposta rates do not Variazione within the periods.
• The same amount di after-tax money è spent a both cases.
• Income limits e deduction rules may apply.

Errori comuni

• Assuming the Roª è always better.

Domande frequenti

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

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