Kalkulator Roth IRA
Sepira sing bisa panjenengan lebokake menyang Roth IRA taun iki miturut penghasilan, lan dadi pira tanpa pajak.
Babagan Kalkulator Roth IRA
Sepira sing bisa panjenengan lebokake menyang Roth IRA taun iki miturut penghasilan, lan dadi pira tanpa 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 Roth IRA
Apa sing dietung lan kapan nganggo
Nuduhake sepira panjenengan bisa nyetor menyang Roth IRA taun iki miturut pangasilan lan status pelaporan pajak, lan mbatang tuwuh bebas pajak.
Carane nganggo, langkah demi langkah
- Pilih status pelaporan pajak lan lebokna modified adjusted gross income (MAGI) panjenengan.
- Lebokna umur, umur nalika njupuk dhuwit lan asil sing dikarepake.
- Waca iuran sing diidini lan saldo sing dibatang.
Tegese saben input
- MAGI – Your adjusted gross income with certain deductions added back.
- Filing status – Sets the income phase-out jangkauan.
Carane maca asile
- You can contribute – The kerutan limit, a reduced Jumlah utawa zero.
- Saldo at withdrawal age – The projected value contributing that amount each year.
Rumus
Limit = 7,500 (plus 1,100 if 50 or older). In the phase-out range the contribution = limit × (top of range − MAGI) ÷ range width, rounded up to the next 10 with a minimum of 200. Balance = balance × (1 + r)^n + contribution × ((1 + r)^n − 1) ÷ r × (1 + r).
Conto petungan
A single filer with 90,000 MAGI is below the 153,000 phase-out start and can contribute the full 7,500. Contributing that for 25 years at 7% grows to 507,574, of which 320,074 is tax-free growth.
Asumsi lan watesan
- 2026 limits and 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 at least your contribution.
- Contributions are made at the Wiwit Saben siji taun.
Kesalahan umum
- Contributing above the limit, which triggers a penalty.
- Forgetting that withdrawals earnings Sadurunge 59½ may be taxed.
Pitakonan sing kerep ditakokake
Kepriye yen pangasilanku kedhuwuren?
Panjenengan isih bisa nganggo konversi Roth “backdoor”. Takon penasihat pajak.
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
- Phase-out jangkauan
- £153,000 nganti £168,000
- Saldo at withdrawal age
- £507,574contributing £7,500 saben taun
- Total you put in
- £187,500
- Pangkat Tax-free grow
- £320,074