IRA calculator: traditional contra Ro.ª

Como usar a IRA calculator: traditional contra Ro.ª

O que calcula e quando usar

Compares a traditional IRA (Imposto relief now, Imposto on withdrawals) with a Roth IRA (Não relief now, tax-free withdrawals) given your Imposto Taxa now e in Aposentadoria.

Como usar, passo a passo

1. Enter the pre-tax Quantidade you could invest Cada Ano.
2. Enter your Imposto Taxa now e your expected tax rate em retirement.
3. Enter the Anos até you withdraw e the expected return.

O que significa cada campo

• Pre-tax Quantidade – What you could invest antes Imposto. A Roth contribution costs the same after-tax Quantidade.
• Imposto rates – Your marginal rates now e in Aposentadoria.

Como ler os resultados

• Traditional depois Imposto – The pot minus Imposto A your Aposentadoria Taxa.
• Roth pot – The after-tax contributions’ growth, all tax-free.
• Winner e difference – Which é better e by how much.

A fórmula

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.ª.

Um exemplo prático

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

Premissas e limites

• The Imposto rates do not Variação within the periods.
• The same amount de after-tax money é spent em both cases.
• Income limits e deduction rules may apply.

Erros comuns

• Assuming the Ro.ª é always better.

Perguntas frequentes

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

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