Saving for a comfortable retirement is one of the most common financial goals among
劳动人民. One possible retirement savings vehicle is the IRA. Even if you have
access to an employer-sponsored retirement plan, you may still be eligible to supplement
your employer’s plan by contributing to a tax-可扣除的 IRA or a Roth IRA. 这
calculator is designed to help you determine whether you qualify for the different
types of IRAs and to estimate the potential future value of each type of IRA for
which you are eligible.
You can see below, and on the following pages, the types of IRAs you are eligible to make contributions to. If your income exceeds certain levels, you may qualify for a partial deduction (or no deduction) on your contribution to a traditional IRA, or you may be ineligible or only partially eligible for a Roth IRA. If that is the case, you can still consider making non可扣除的 contributions to a traditional IRA.
Skip Table Information
Are you eligible for a non可扣除的 IRA?
Your maximum annual contribution:
After-tax value of non可扣除的 IRA when withdrawals begin:
Estimated annual income from non可扣除的 IRA:
Are you eligible for more than one type of IRA account? If so, you may need to choose which account is appropriate for you. In some cases, you may have more than one type of IRA account. You should be aware that no matter how many different IRA accounts you have, your total contributions to all IRAs in a single year may not exceed $6,000. 除了, individuals aged 50 and older may make an additional $1,000 "catch-up" contribution, bringing the total contribution limit to $7,000. 这 calculator assumes maximum contributions, including "catch-up" contributions for those age 50 and older.
The chart below illustrates the differences in after-tax income for Roth, 可扣除的, and non可扣除的 IRAs using the values you entered.
Estimated Total After-Tax Income from Different IRAs
The information provided is not specific 投资 advice, a guarantee of performance,
or a recommendation. Rates of return will vary over time, particularly for long
term 投资s. Investments offering the potential for higher rates of return
also involve a higher degree of risk.
Note that withdrawals from 可扣除的 and non可扣除的 traditional IRAs are subject
to ordinary income taxes and if withdrawn prior to age 59½ may be subject to
an additional 10 percent federal income tax penalty (for non可扣除的 traditional
IRAs, only the portion of the withdrawal attributable to earnings is taxable). To
qualify for the tax-free and penalty-free withdrawal of earnings, a Roth IRA must
be in place for at least five tax years and the distribution must take place after
age 59½ or due to death, disability, or a first-time home purchase (up to a $10,000
一生的限制). To the extent that they exceed total contributions, non-qualified
distributions are subject to a 10 percent federal income tax penalty and are includable