रोथ आईआरए कैलकुलेटर — सूत्र
## How the Roth IRA Calculator Works
A Roth IRA grows tax-free. Contributions are made with after-tax dollars, but qualified withdrawals in retirement are completely tax-free.
### Formula
**FV = PV × (1 + r)^n + C × [(1 + r)^n − 1] / r**
The key advantage is that the growth column represents money you will never pay taxes on, unlike a traditional IRA or 401(k).
A Roth IRA grows tax-free. Contributions are made with after-tax dollars, but qualified withdrawals in retirement are completely tax-free.
### Formula
**FV = PV × (1 + r)^n + C × [(1 + r)^n − 1] / r**
The key advantage is that the growth column represents money you will never pay taxes on, unlike a traditional IRA or 401(k).
हल किया गया उदाहरण
$15,000 balance, $7,000/yr contributions, 8% return, 30 years.
- Balance growth = $15,000 × (1.08)^30 = $150,940
- Contribution growth = $7,000 × [(1.08)^30 − 1] / 0.08 = $793,490
- Projected value = $150,940 + $793,490 = $944,430
- Total contributed = $15,000 + $7,000 × 30 = $225,000
- Tax-free growth = $944,430 − $225,000 = $719,430