Calculateur IRA Traditionnel — Formule
## Traditional IRA
Contributions may be tax-deductible, reducing your current taxable income. Growth is tax-deferred, but withdrawals are taxed as ordinary income.
### After-Tax Retirement Value
**After-Tax = Pre-Tax Value x (1 - Retirement Tax Rate)**
Traditional IRAs require minimum distributions (RMDs) starting at age 73.
Contributions may be tax-deductible, reducing your current taxable income. Growth is tax-deferred, but withdrawals are taxed as ordinary income.
### After-Tax Retirement Value
**After-Tax = Pre-Tax Value x (1 - Retirement Tax Rate)**
Traditional IRAs require minimum distributions (RMDs) starting at age 73.
Exemple Résolu
$20,000 balance, $7,000/year, 7% return, 25 years, 22% retirement tax.
- Pre-tax value = ~$618,000
- After-tax = $618,000 x (1 - 0.22) = ~$482,000
- Annual tax savings now = $7,000 x 0.22 = $1,540