Kikokotoo cha Roth IRA
Kiasi unachoweza kuweka kwenye Roth IRA mwaka huu kulingana na kipato chako, na kinachoweza kukua hadi bila kodi.
Kuhusu Kikokotoo cha Roth IRA
Kiasi unachoweza kuweka kwenye Roth IRA mwaka huu kulingana na kipato chako, na kinachoweza kukua hadi bila kodi.
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Jinsi ya kutumia Kikokotoo cha Roth IRA
Kinachohesabu na wakati wa kukitumia
Kinaonyesha kiasi unachoweza kuchangia kwenye Roth IRA mwaka huu kulingana na mapato yako na hali yako ya kuwasilisha kodi, na kukadiria ukuaji usiotozwa kodi.
Jinsi ya kukitumia, hatua kwa hatua
- Chagua hali yako ya kuwasilisha kodi na uweke mapato yako ghafi yaliyorekebishwa (MAGI).
- Weka umri wako, umri utakaotoa pesa na faida inayotarajiwa.
- Soma mchango unaoruhusiwa na salio linalokadiriwa.
Maana ya kila ingizo
- MAGI – Your adjusted gross income with certain deductions added back.
- Filing status – Sets the income phase-out masafa.
Jinsi ya kusoma matokeo
- You can contribute – The kamili limit, a reduced Kiasi au zero.
- Salio at withdrawal age – The projected value contributing that amount each year.
Fomula
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).
Mfano uliofanyiwa kazi
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.
Dhana na mipaka
- 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 Anza ya Kila kimoja mwaka.
Makosa ya kawaida
- Contributing above the limit, which triggers a penalty.
- Forgetting that withdrawals ya earnings Kabla 59½ may be taxed.
Maswali yanayoulizwa mara kwa mara
Itakuwaje ikiwa mapato yangu ni makubwa mno?
Huenda bado ukaweza kutumia ubadilishaji wa Roth wa “mlango wa nyuma” (backdoor). Uliza mshauri wa kodi.
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
- Phase-out masafa
- £153,000 hadi £168,000
- Salio at withdrawal age
- £507,574contributing £7,500 kwa mwaka
- Jumla you put in
- £187,500
- Cha Tax-free grow
- £320,074