Roth-IRA-Wachstumsrechner — Formel

Roth IRA Growth

Roth IRA contributions are made with after-tax dollars, but all growth and qualified withdrawals are completely tax-free.

2024 Contribution Limits

AgeLimit Under 50$7,000 50 and over$8,000

Key Advantage

Unlike Traditional IRAs and 401(k)s, Roth IRAs have no Required Minimum Distributions (RMDs), so your money can grow tax-free for as long as you want.

Lösungsbeispiel

$15,000 balance, $7,000/year contributions, 7% return, 30 years.

  1. Monthly contribution = $583
  2. Current balance grows: $15,000 to ~$114,200
  3. Contributions grow to ~$708,800
  4. Total = ~$823,000 (all tax-free)
  5. Total contributed = $15,000 + $210,000 = $225,000
  6. Tax-free growth = ~$598,000