Calculadora de Roth IRA

Com es fa

1. 1
   Omple els camps

   Escriu els teus números o tria les opcions que necessites.

2. 2
   Mira el resultat

   La resposta s'actualitza a l'instant quan canvies un valor.

3. 3
   Fes-lo servir

   Copia el resultat o apunta'l. No s'envia res enlloc.

About this tool

Enter your current balance, how much you add each year, the years and the expected return. The calculator shows what you put in, the growth and the final value. Qualified Roth withdrawals are free of federal tax. Figures are for the 2026 tax year and can change. A guide only, check irs.gov or a tax professional.

Why Roth

You pay tax on the money before you contribute, but qualified withdrawals in retirement, including all growth, are free of federal income tax. The tool shows a rough 15 percent tax saved on the growth as a guide.

Limits

The 2026 contribution limit is $7,500, or $8,600 at 50 or older, and it phases out at higher incomes. You must have earned income. Withdrawals of earnings are tax free after age 59½ and five years.

Example

$7,500 a year for 30 years at 7 percent grows to about $708,000, from $225,000 contributed.

Exemple resolt

With the boxes at their starting values (Current balance ($): 0; Contribution per year ($): 7500; Years to grow: 30; Expected return per year (%): 7), the tool shows: Total you put in ($): 225,000; Growth ($): 483,456; Rough tax saved on growth at 15% ($): 72,518; Final balance ($): 708,456. Change any box to see your own numbers. The result updates as you type, and nothing leaves your browser.

Consells per obtenir el millor resultat

Comprova cada camp abans de fiar-te d'un resultat, perquè una sola xifra errònia canvia tota la resposta. Fes servir els números exactes d'una nòmina, factura, certificat o contracte i anota la data del càlcul. Els tipus, els llindars i les regles canvien de tant en tant, de manera que per a impostos, taxes i qüestions legals considera el resultat una estimació i contrasta'l amb la font oficial indicada en aquesta pàgina. Pots provar tants escenaris com vulguis; no es desa ni s'envia res i recarregar la pàgina buida els camps.