免费退休税率估算器
估算退休后所处的税率档次，优化退休收入提取策略以降低税负。
Estimated Federal Tax
$6,427
Estimated Federal Tax vs Social Security Income
公式
Retirement Tax Estimation
Retirement income from Traditional IRAs, 401(k)s, and pensions is taxed as ordinary income. Up to 85% of Social Security may also be taxable.
2024 Tax Brackets (Single)
Retirees 65+ get a higher standard deduction ($15,700 single).
计算示例
$24,000 SS, $12,000 pension, $30,000 withdrawals, $5,000 other.
- 01SS taxable (85%) = $20,400
- 02Gross = $20,400 + $12,000 + $30,000 + $5,000 = $67,400
- 03Taxable = $67,400 - $15,700 = $51,700
- 04Tax = $1,160 + ($47,150-$11,600) x 12% + ($51,700-$47,150) x 22%
- 05= $1,160 + $4,266 + $1,001 = $6,427
常见问题
Is Social Security taxed?
Up to 85% of Social Security benefits may be taxable if your combined income exceeds $25,000 (single) or $32,000 (married). The exact percentage depends on your total income.
Are Roth withdrawals taxed?
No. Qualified Roth IRA and Roth 401(k) withdrawals are completely tax-free and do not count as taxable income.
How can I lower taxes in retirement?
Roth conversions before retirement, strategic withdrawal order (taxable first, then tax-deferred, then Roth), and staying below SS taxation thresholds can all reduce taxes.
学习