IRA calculator: traditionalとRo乗の比較

IRA calculator: traditionalとRo乗の比較の使い方

何を計算するか、いつ使うか

Compares a traditional IRA (税額 relief now、税額 on withdrawals) with a Roth IRA (いいえ relief now, tax-free withdrawals) given your 税額 利率 now、in 退職・老後.

使い方の手順

1. Enter the pre-tax 量 you could invest 1個あたり 年.
2. Enter your 税額 利率 nowとretirement.のyour expected tax rate
3. Enter the 年数 空き終了 you withdrawとthe expected return.

各入力項目の意味

• Pre-tax 量 – What you could invest before 税額. A Roth contribution costs the same after-tax 量.
• 税額 rates – Your marginal rates nowとin 退職・老後.

結果の読み方

• Traditional after 税額 – The pot minus 税額 適用 your 退職・老後 利率.
• Roth pot – The after-tax contributions’ growth, all tax-free.
• Winnerとdifference – Whichはbetterですとby how much.

計算式

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乗.

計算例

Investing 7,000 before 税額 適用 24% now、retirement, 7% growのwith an 18% rate乗、25 years: the traditional IRA nets 388,463 after taxとthe Roth 360,039, so traditional wins by 28,424.

前提と限界

• The 税額 rates 操作 not 変動 within the periods.
• after-tax money The same amountはboth cases.のspentです
• Income limitsとdeduction rules may apply.

よくある間違い

• Assuming the Ro乗はalways better.です

よくある質問

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

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