Roth IRA Calculator
以下详细说明暂以英文提供。
What makes the Roth IRA special
You contribute after-tax dollars, but everything the account earns afterward — dividends, gains, compounding — comes out completely tax-free in retirement, provided you are 59½ or older and have held the account at least five years. Because the tax bill is paid before deposit, the projection here is the true spendable balance, unlike a traditional account whose final value is shared with the IRS.
常见问题
How much can I contribute?
Limits are set by the IRS each year — recently $7,000 per person ($8,000 from age 50) — and phase out at higher incomes. Contributions (not earnings) can be withdrawn anytime without tax or penalty.
Roth or traditional IRA?
The practical question is your tax rate now versus in retirement. Paying tax today (Roth) wins when retirement rates are higher; deferring (traditional) wins when they are lower. The IRA calculator compares both side by side.