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。
Pre-Tax Value
$587,050
Pre-Tax Value vs Years to Retirement
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.
- 01Pre-tax value = ~$618,000
- 02After-tax = $618,000 x (1 - 0.22) = ~$482,000
- 03Annual tax savings now = $7,000 x 0.22 = $1,540
常见问题
Are Traditional IRA contributions tax-deductible?
It depends on your income and whether you have a workplace retirement plan. Full deductions are available below certain income thresholds.
What are Required Minimum Distributions?
Starting at age 73, you must withdraw a minimum amount each year from your Traditional IRA. The amount is based on your balance and life expectancy.
Can I have both a Traditional and Roth IRA?
Yes, but the combined contribution limit is $7,000 ($8,000 if 50+) across all IRAs in 2024.
学习