Calculadora de Crecimiento de Roth IRA Gratis
Proyecta el crecimiento libre de impuestos de tu Roth IRA. Simula aportes anuales y rendimiento compuesto hasta tu jubilación.
Future Value (Tax-Free)
$833,397
Future Value (Tax-Free) vs Years to Grow
Fórmula
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
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.
Ejemplo Resuelto
$15,000 balance, $7,000/year contributions, 7% return, 30 years.
- 01Monthly contribution = $583
- 02Current balance grows: $15,000 to ~$114,200
- 03Contributions grow to ~$708,800
- 04Total = ~$823,000 (all tax-free)
- 05Total contributed = $15,000 + $210,000 = $225,000
- 06Tax-free growth = ~$598,000
Preguntas Frecuentes
What is a Roth IRA?
A Roth IRA is a retirement account funded with after-tax money. Qualified withdrawals after age 59.5 (and 5 years of account ownership) are completely tax-free.
Who can contribute to a Roth IRA?
Single filers with MAGI under $161,000 and married filers under $240,000 can contribute the full amount (2024 limits). Backdoor Roth conversions may be available for higher earners.
Roth IRA vs Traditional IRA?
Roth: pay taxes now, withdraw tax-free. Traditional: deduct now, pay taxes on withdrawals. Choose Roth if you expect higher future tax rates.
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