传统IRA计算器
计算传统IRA（个人退休账户）的退休储蓄增长，估算税前供款的税收减免和退休后提取的预期价值。
Projected IRA Value
$608,228
Projected IRA Value vs Years Until Retirement
公式
Traditional IRA Overview
A Traditional IRA offers tax-deductible contributions that grow tax-deferred until withdrawal in retirement.
Key Features
Best For
People who expect to be in a LOWER tax bracket in retirement than they are now.
计算示例
$25,000 current balance, $7,000 annual contribution, 7% return, 25 years, 24% tax bracket.
- 01Current balance grows: $25,000 x (1.07)^25 = $135,700
- 02Contributions grow: $583/mo at 7% for 25 years = ~$474,300
- 03Total projected value: ~$610,000
- 04Tax savings from deductions: $7,000 x 24% x 25 = $42,000
常见问题
Should I choose Traditional or Roth IRA?
Choose Traditional if you expect a lower tax rate in retirement (high earner now, lower income later). Choose Roth if you expect taxes to rise or want tax-free withdrawals. You can split contributions between both.
What happens if I withdraw early?
Withdrawals before age 59.5 are subject to a 10% penalty plus ordinary income tax. Exceptions include first-time home purchase ($10,000), disability, and substantially equal periodic payments.
Are my contributions deductible?
If neither you nor your spouse has an employer retirement plan, contributions are fully deductible regardless of income. With an employer plan, deductibility phases out at higher income levels.
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