Roth IRA & Renten-Wachstumsrechner
Berechnen Sie Ihr steuerfreies Altersvorsorgevermögen und vergleichen Sie den Steuervorteil gegenüber herkömmlichen Depots.
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.
Eingesparte Steuern auf Kapitalerträge durch die Nutzung eines steuerfreien Roth-Kontos.
Vergleich zum Rentenalter (65 Jahre)
Jährlicher Vorsorgeplan
Projection trajectory up to age 65.
| Alter | Jahr | Total Invested | Roth IRA (Steuerfrei) | Traditionelle IRA | Normales Depot |
|---|---|---|---|---|---|
| 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 |
Vorteile steuerfreier Vorsorgekonten
Fazit: Ein Roth IRA ermöglicht es, Erträge und Zinsen im Alter komplett steuerfrei auszahlen zu lassen.
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 |
Kernvorteile
Schutz vor zukünftigen Steuererhöhungen und keine Pflichtentnahmen im Alter.