Kikokotoo cha IRA: ya kawaida au Roth
Linganisha IRA ya kawaida, ambapo unaokoa kodi sasa, na Roth IRA, ambapo utoaji wa pesa hauna kodi.
Kuhusu Kikokotoo cha IRA: ya kawaida au Roth
Linganisha IRA ya kawaida, ambapo unaokoa kodi sasa, na Roth IRA, ambapo utoaji wa pesa hauna kodi.
Sehemu ya kitengo cha “Kustaafu” cha SmartCalcy. Kinaendeshwa kwenye kivinjari chako bila akaunti, kinatumia sarafu na vipimo vyako (vibadilishe juu ya ukurasa), na kinatoa makadirio kwa taarifa tu, kwa hiyo angalia mwongozo rasmi kabla ya kutegemea matokeo.
Jinsi ya kutumia Kikokotoo cha IRA: ya kawaida au Roth
Kinachohesabu na wakati wa kukitumia
Kinalinganisha IRA ya kawaida (nafuu ya kodi sasa, kodi wakati wa kutoa) na Roth IRA (hakuna nafuu sasa, utoaji usiotozwa kodi) kulingana na kiwango chako cha kodi sasa na wakati wa kustaafu.
Jinsi ya kukitumia, hatua kwa hatua
- Weka kiasi kabla ya kodi ambacho ungeweza kuwekeza kila mwaka.
- Weka kiwango chako cha kodi sasa na kiwango unachotarajia wakati wa kustaafu.
- Weka miaka hadi utakapotoa pesa na faida inayotarajiwa.
Maana ya kila ingizo
- Pre-tax Kiasi – What you could invest before tax. A Roth contribution costs the same after-tax amount.
- Kodi rates – Your marginal rates now na baada ya retirement.
Jinsi ya kusoma matokeo
- Traditional Baada kodi – The pot minus tax at your retirement rate.
- Roth pot – The after-tax contributions’ growth, zote tax-free.
- Winner na difference – Which ni better na by how much.
Fomula
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.
Mfano uliofanyiwa kazi
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.
Dhana na mipaka
- The tax rates do not change within the periods.
- The same amount ya after-tax money ni spent huko both cases.
- Income limits na deduction rules may apply.
Makosa ya kawaida
- Cha Assuming the Ro ni always better.
Maswali yanayoulizwa mara kwa mara
Itakuwaje ikiwa viwango vya kodi ni sawa?
Zote mbili zinaishia sawa. Hapo Roth inatoa unyumbufu na haina utoaji wa lazima wa kiwango cha chini.
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.
Zana zinazohusiana
Maelezo
- Traditional: pot
- £473,735
- Traditional: Baada kodi huko Kustaafu
- £388,463
- Roth: pot, zote tax-free
- £360,039
- Contribution into a Roth Kila kimoja mwaka
- £5,320the sawa Gharama hadi you Baada kodi