Calculadora de Investimento com Isenção Online Grátis
Tax-free retirement growth with 2024 contribution limits, age-based projections and withdrawal income
Sobre Esta Calculadora
The Roth IRA's defining advantage is tax-free growth: you contribute after-tax dollars, but all growth and qualified withdrawals after age 59½ are completely tax-free. For someone in the 22% bracket who converts $7,000 in annual contributions into $500,000 over 35 years, the tax savings versus a traditional IRA could exceed $100,000.
The 2024 contribution limit is $7,000 per year ($8,000 if you're 50 or older), subject to income phase-out limits starting at $146,000 for single filers and $230,000 for married filing jointly. High earners above the limit can use a backdoor Roth conversion to maintain access.
Unlike Traditional IRAs, Roth IRAs have no Required Minimum Distributions (RMDs) — you can let the money grow tax-free indefinitely and pass it to heirs. This makes the Roth IRA uniquely valuable for estate planning as well as retirement income.
Starting at age 25 vs. age 35 with $7,000/year at 7% annual return produces roughly $1.37M vs. $740K at age 65 — the $70,000 in extra contributions made over the earlier decade more than doubles the final balance through compound growth.
Projete sua conta equivalente no longo prazo que conta com benefícios fiscais sobre lucros.
Exemplo Resolvido
Comparing Roth IRA vs Traditional IRA net retirement value for a 30-year-old
Entradas:
- Age: 30 | Retirement age: 65 | Years: 35
- Annual contribution: $7,000 (2024 limit)
- Expected annual return: 7%
- Current marginal tax rate: 24% | Estimated retirement tax rate: 22%
Passo a Passo:
- FV of $7,000/year at 7% for 35 years: $7,000 × [(1.07^35 − 1) / 0.07] = $7,000 × 138.24 = $967,676
- Roth IRA: withdraw full $967,676 tax-free. Net = $967,676
- Traditional IRA: save $7,000 pre-tax (worth $7,000/0.76 = $9,211 gross contribution equivalent). Account value same $967,676, but pay 22% tax on all withdrawals: net = $967,676 × 0.78 = $754,787
- Roth advantage: $967,676 − $754,787 = $212,889 more in after-tax spendable retirement income
Dicas
- 2024 Roth IRA limit: $7,000/yr ($8,000 if 50+). All growth and qualified withdrawals are tax-FREE.