So berechnen Sie Roth Ira
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A Roth IRA calculator projects tax-free retirement savings growth. Unlike Traditional IRAs, Roth contributions are post-tax but withdrawals in retirement are completely tax-free.
Formel
FV = annual_contribution × [((1 + r)^years − 1) / r]; 2024 limit: $7,000 ($8,000 age 50+)
- C
- Annual contribution ($)
- r
- Annual return rate (%)
- FV
- Future value (tax-free) ($)
- years
- Investment period (years)
Schritt-für-Schritt-Anleitung
- 1Contribute up to $7,000/year ($8,000 if 50+) from after-tax income (2024)
- 2Growth compounds tax-free; no RMDs (Required Minimum Distributions) in lifetime
- 3Withdrawals tax-free after age 59½ with 5-year rule satisfied
- 4Income limits: phase-out at $146k–$161k (single) / $230k–$240k (married) 2024
Gelöste Beispiele
Eingabe
$7,000/yr from age 25 to 65 at 7% return
Ergebnis
40 years: FV = $7,000 × [(1.07⁴⁰−1)/0.07] ≈ $1,399,000 — all tax-free
Häufig gestellte Fragen
Why choose Roth over Traditional IRA?
Roth: no tax on withdrawal, tax-free growth, no RMD. Pay tax now instead of later. Benefits if expect higher tax bracket.
Can I contribute to Roth if my income is too high?
Yes, via backdoor Roth: contribute to Traditional, immediately convert to Roth. Legal strategy.
What's the 5-year rule?
Earnings must remain invested 5+ years (from first Roth contribution) to withdraw tax and penalty-free.