Kalkulator IRA: tradisional vs Roth
Bandhingake IRA tradisional, sing ngirit pajak saiki, karo Roth IRA, sing penarikane bebas pajak.
Babagan Kalkulator IRA: tradisional vs Roth
Bandhingake IRA tradisional, sing ngirit pajak saiki, karo Roth IRA, sing penarikane bebas pajak.
Bagean saka seksi “Pensiun” SmartCalcy. Lumaku ing browser panjenengan tanpa akun, nganggo mata uang lan satuan panjenengan dhewe (ganti ing sisih ndhuwur kaca), lan menehi perkiraan mung kanggo informasi, mula priksa pandhuan resmi sadurunge ngandelake asile.
Carane nganggo Kalkulator IRA: tradisional vs Roth
Apa sing dietung lan kapan nganggo
Mbandhingake IRA tradisional (keringanan pajak saiki, pajak nalika njupuk) karo Roth IRA (ora ana keringanan saiki, penarikan bebas pajak) miturut tarif pajak panjenengan saiki lan nalika pensiun.
Carane nganggo, langkah demi langkah
- Lebokna jumlah sadurunge pajak sing bisa diinvestasikake saben taun.
- Lebokna tarif pajak saiki lan tarif pajak sing dikarepake nalika pensiun.
- Lebokna taun nganti njupuk dhuwit lan asil sing dikarepake.
Tegese saben input
- Pre-tax Jumlah – What you could invest before tax. A Roth contribution costs the same after-tax amount.
- Pajak rates – Your marginal rates now lan ing retirement.
Carane maca asile
- Traditional Sawise pajak – The pot minus tax at your retirement rate.
- Roth pot – The after-tax contributions’ growth, kabeh tax-free.
- Winner lan difference – Which yaiku better lan by how much.
Rumus
Traditional = contributions growing at r, then × (1 − retirement rate). Roth = contributions × (1 − current rate) growing at r. Both use end-of-period annuity-due growth.
Conto petungan
Investing 7,000 before tax at 24% now, with an 18% rate in retirement, 7% growth and 25 years: the traditional IRA nets 388,463 after tax and the Roth 360,039, so traditional wins by 28,424.
Asumsi lan watesan
- The tax rates do not change within the periods.
- The same amount after-tax money yaiku spent ing both cases.
- Income limits lan deduction rules may apply.
Kesalahan umum
- Pangkat Assuming the Ro yaiku always better.
Pitakonan sing kerep ditakokake
Kepriye yen tarif pajake padha?
Loro-lorone pungkasane padha. Roth banjur menehi keluwesan lan ora ana required minimum distribution.
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.
Piranti sing gegandhengan
Rincian
- Traditional: pot
- £473,735
- Traditional: Sawise pajak ing Pensiun
- £388,463
- Roth: pot, kabeh tax-free
- £360,039
- Contribution into a Roth Saben siji taun
- £5,320the padha Modal nganti you Sawise pajak