अमेरिकाTraditional IRA vs. Roth IRAवित्तUS Traditional IRA vs. Roth IRA Tax Savings & Growth Comparison Calculator
Compare after-tax retirement wealth between a Traditional IRA (tax deduction today, taxed at withdrawal) versus a Roth IRA (after-tax contribution today, 100% tax-free growth and withdrawals).
कैलकुलेटर इनपुट
लाइव रीयल-टाइम$
त्वरित चयन:
24 %
10 %37 %
15 %
10 %37 %
30 yrs
5 yrs45 yrs
गणना परिणामTraditional IRA vs. Roth IRA
Roth IRA Total After-Tax Spendable Wealth (100% Tax-Free)
$661,220
Traditional IRA After-Tax Value at Retirement
$562,037
Roth IRA Advantage vs Traditional
$99,183
विस्तृत गणना विवरण
Roth IRA (Tax-Free)
$661,220
Traditional IRA (After Tax)
$562,037
Net Difference
$99,183
गणना पद्धति
Roth IRA Value = Annual Contribution * (((1 + r)^t - 1) / r). Traditional IRA Value After Tax = Growth Balance * (1 - (Retirement Tax Rate% / 100)).
महत्वपूर्ण कानूनी और शैक्षिक अस्वीकरण
The annual IRA contribution limit for 2025/2026 is $7,000 ($8,000 if age 50+).
यह कैलकुलेटर केवल शैक्षिक और सूचनात्मक उद्देश्यों के लिए बनाया गया है। परिणाम बाध्यकारी वित्तीय या कानूनी सलाह नहीं हैं।
अक्सर पूछे जाने वाले प्रश्न
Traditional IRAs offer tax-deductible contributions now and taxable withdrawals in retirement. Roth IRAs use after-tax contributions now for 100% tax-free withdrawals in retirement.
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