حاسبة نمو التقاعد Roth IRA
احسب مدخرات تقاعدك المعفاة بنسبة 100% من الضرائب وقارن التوفير الضريبي الإجمالي مع الحسابات التقليدية.
Roth IRA Parameters
Enter age, contribution schedule, and returns.
Traditional uses post-tax-equivalent (grossed-up) contributions for fair comparison. Beginning-of-period timing.
Ignores IRS annual contribution limits, income phase-outs, and required minimum distributions (RMDs).
Traditional comparison uses post-tax-equivalent (grossed-up) contributions for a fair apples-to-apples view.
مجموع الضرائب التي تم توفيرها على الأرباح الرأسمالية باستخدام حساب Roth بدلاً من حساب استثماري خاضع للضريبة.
مقارنة قيمة الحسابات عند سن 65 عاماً
جدول التطور السنوي لمدخرات التقاعد
Projection trajectory up to age 65.
| العمر | السنة | Total Invested | حساب Roth (معفى) | حساب IRA التقليدي | حساب خاضع للضريبة |
|---|---|---|---|---|---|
| Age 27 | Year 1 | $12,000 | $12,960 | $11,772 | $12,816 |
| Age 28 | Year 2 | $19,000 | $21,557 | $20,274 | $21,173 |
| Age 29 | Year 3 | $26,000 | $30,841 | $29,456 | $30,115 |
| Age 30 | Year 4 | $33,000 | $40,869 | $39,372 | $39,688 |
| Age 31 | Year 5 | $40,000 | $51,698 | $50,082 | $49,943 |
| Age 32 | Year 6 | $47,000 | $63,394 | $61,648 | $60,935 |
| Age 33 | Year 7 | $54,000 | $76,026 | $74,140 | $72,722 |
| Age 34 | Year 8 | $61,000 | $89,668 | $87,632 | $85,367 |
| Age 35 | Year 9 | $68,000 | $1,04,401 | $1,02,202 | $98,941 |
| Age 36 | Year 10 | $75,000 | $1,20,313 | $1,17,938 | $1,13,516 |
| Age 37 | Year 11 | $82,000 | $1,37,498 | $1,34,933 | $1,29,173 |
| Age 38 | Year 12 | $89,000 | $1,56,058 | $1,53,288 | $1,45,999 |
| Age 39 | Year 13 | $96,000 | $1,76,103 | $1,73,111 | $1,64,087 |
| Age 40 | Year 14 | $1,03,000 | $1,97,751 | $1,94,520 | $1,83,538 |
| Age 41 | Year 15 | $1,10,000 | $2,21,131 | $2,17,641 | $2,04,461 |
| Age 42 | Year 16 | $1,17,000 | $2,46,381 | $2,42,613 | $2,26,974 |
| Age 43 | Year 17 | $1,24,000 | $2,73,652 | $2,69,582 | $2,51,204 |
| Age 44 | Year 18 | $1,31,000 | $3,03,104 | $2,98,708 | $2,77,288 |
| Age 45 | Year 19 | $1,38,000 | $3,34,912 | $3,30,165 | $3,05,375 |
| Age 46 | Year 20 | $1,45,000 | $3,69,265 | $3,64,138 | $3,35,625 |
| Age 47 | Year 21 | $1,52,000 | $4,06,366 | $4,00,829 | $3,68,211 |
| Age 48 | Year 22 | $1,59,000 | $4,46,436 | $4,40,456 | $4,03,320 |
| Age 49 | Year 23 | $1,66,000 | $4,89,711 | $4,83,252 | $4,41,154 |
| Age 50 | Year 24 | $1,73,000 | $5,36,447 | $5,29,472 | $4,81,930 |
| Age 51 | Year 25 | $1,80,000 | $5,86,923 | $5,79,390 | $5,25,885 |
| Age 52 | Year 26 | $1,87,000 | $6,41,437 | $6,33,301 | $5,73,272 |
| Age 53 | Year 27 | $1,94,000 | $7,00,312 | $6,91,525 | $6,24,365 |
| Age 54 | Year 28 | $2,01,000 | $7,63,897 | $7,54,407 | $6,79,463 |
| Age 55 | Year 29 | $2,08,000 | $8,32,569 | $8,22,320 | $7,38,884 |
| Age 56 | Year 30 | $2,15,000 | $9,06,734 | $8,95,665 | $8,02,974 |
| Age 57 | Year 31 | $2,22,000 | $9,86,833 | $9,74,879 | $8,72,108 |
| Age 58 | Year 32 | $2,29,000 | $10,73,340 | $10,60,429 | $9,46,689 |
| Age 59 | Year 33 | $2,36,000 | $11,66,767 | $11,52,823 | $10,27,152 |
| Age 60 | Year 34 | $2,43,000 | $12,67,668 | $12,52,609 | $11,13,968 |
| Age 61 | Year 35 | $2,50,000 | $13,76,642 | $13,60,378 | $12,07,645 |
| Age 62 | Year 36 | $2,57,000 | $14,94,333 | $14,76,768 | $13,08,733 |
| Age 63 | Year 37 | $2,64,000 | $16,21,440 | $16,02,470 | $14,17,824 |
| Age 64 | Year 38 | $2,71,000 | $17,58,715 | $17,38,227 | $15,35,558 |
| Age 65 | Year 39 | $2,78,000 | $19,06,972 | $18,84,845 | $16,62,626 |
لماذا يعتبر حساب Roth IRA الأفضل للتقاعد
خلاصة: يتيح حساب Roth IRA استثمار الأموال بعد خصم الضرائب لتنمو جميع الأرباح الرأسمالية معفاة تماماً من الضرائب عند سحبها في سن التقاعد.
A Roth Individual Retirement Account (Roth IRA) allows post-tax contributions to compound entirely tax-free for decades, enabling 100% tax-free qualified withdrawals in retirement without Required Minimum Distributions (RMDs).
Retirement Vehicles Compared: Roth IRA vs Traditional IRA vs 401(k)
Evaluating tax treatment, annual contribution limits, withdrawal rules, and flexibility:
| Feature | Roth IRA | Traditional IRA | Employer 401(k) |
|---|---|---|---|
| Tax Timing | Post-Tax (100% Tax-Free Growth & Withdrawals) | Pre-Tax (Tax-deferred; taxed at retirement income rate) | Pre-Tax (or Roth 401k option) |
| Annual Contribution Limit | $7,000 ($8,000 if age 50+) | $7,000 ($8,000 if age 50+) | $23,000 ($30,500 if age 50+) |
| Early Principal Access | 100% Penalty-Free anytime | 10% Penalty + Ordinary Income Tax | Restricted to 401(k) loans / hardship |
| Required Distributions (RMDs) | Never during owner lifetime | Mandatory starting at age 73/75 | Mandatory starting at age 73/75 |
أبرز المزايا
حماية تامة من أي زيادة مستقبلية في الضرائب مع إمكانية سحب رأس المال الأصلي في أي وقت بدون غرامات.