免费传统IRA计算器

计算传统IRA账户的增长和税前缴款优势，规划退休储蓄方案。

USD
USD
%
years
%

Pre-Tax Value

$587,050

After-Tax Value$457,899
Annual Tax Savings Now$1,540

Pre-Tax Value vs Years to Retirement

查看公式 →

公式

## 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.

计算示例

$20,000 balance, $7,000/year, 7% return, 25 years, 22% retirement tax.

  1. 01Pre-tax value = ~$618,000
  2. 02After-tax = $618,000 x (1 - 0.22) = ~$482,000
  3. 03Annual tax savings now = $7,000 x 0.22 = $1,540