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An IRA (Individual Retirement Account) calculator projects balance growth for Traditional and Roth IRA accounts, accounting for annual contribution limits, investment returns, and tax treatment.
공식
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 ($)
- years
- Investment period (years)
단계별 가이드
- 12024 IRA limit: $7,000/year ($8,000 if age 50+)
- 2Traditional IRA: contributions may be tax-deductible; withdrawals taxed
- 3Roth IRA: contributions from after-tax income; withdrawals tax-free
- 4Growth: FV = PMT × [(1+r)ⁿ−1]/r + existing balance × (1+r)ⁿ
풀어진 예시
입력
$7,000/yr at 7%, starting at age 30, to age 67
결과
37 years, FV ≈ $7,000 × [(1.07³⁷−1)/0.07] ≈ $1,228,000
자주 묻는 질문
What's the difference between Traditional and Roth IRA?
Traditional: tax deduction now, taxed on withdrawal. Roth: no deduction, tax-free growth and withdrawal.
Can I contribute to both Traditional and Roth?
Combined limit: $7,000/year (2024). You can split, but total can't exceed limit.
When do I pay taxes on a Traditional IRA?
At withdrawal during retirement. Taxed as ordinary income. Required distributions start at age 73 (RMD).