IRA calculator: traditional 对比 第 Ro 次

如何使用IRA calculator: traditional 对比 第 Ro 次

它计算什么，何时使用

Compares a traditional IRA (税款 relief now、税款 on withdrawals) with a Roth IRA (否 relief now, tax-free withdrawals) given your 税款 利率 now、in 退休.

使用步骤

1. Enter the pre-tax 数量 you could invest 每件 年份.
2. Enter your 税款 利率 now 和 retirement. 的 your expected tax rate
3. Enter the 年数 直到 you withdraw 和 the expected return.

各输入项的含义

• Pre-tax 数量 – What you could invest before 税款. A Roth contribution costs the same after-tax 数量.
• 税款 rates – Your marginal rates now 和 in 退休.

如何阅读结果

• Traditional after 税款 – The pot minus 税款 以 your 退休 利率.
• Roth pot – The after-tax contributions’ growth, all tax-free.
• Winner 和 difference – Which 是 better 和 by how much.

公式

第 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 次.

计算示例

Investing 7,000 before 税款 以 24% now、第 retirement, 7% grow 的 with an 18% rate 次、25 years: the traditional IRA nets 388,463 after tax 和 the Roth 360,039, so traditional wins by 28,424.

假设与局限

• The 税款 rates 操作 not 变化 within the periods.
• The same amount after-tax money 是 both cases. 的 spent
• Income limits 和 deduction rules may apply.

常见错误

• 第 Assuming the Ro 次 是 always better.

常见问题

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

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