Cum se calculează Ira Calculator
Ce este Ira Calculator?
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.
Formulă
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)
Ghid pas cu pas
- 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
Exemple rezolvate
Intrare
$7,000/yr at 7%, starting at age 30, to age 67
Rezultat
37 years, FV ≈ $7,000 × [(1.07³⁷−1)/0.07] ≈ $1,228,000
Întrebări frecvente
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).