如何计算Roth IRA
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A Roth IRA is an individual retirement account where contributions are made with after-tax dollars. All growth and withdrawals after age 59½ are completely tax-free. Unlike traditional IRAs, there are no required minimum distributions during the account holder's lifetime.
分步指南
- 1Contribute after-tax money up to the annual limit
- 2Money grows completely tax-free
- 3Qualified withdrawals after 59½ are 100% tax-free (including all gains)
- 4Income limits apply: phase-out starts at $146,000 (single) or $230,000 (married) for 2024
例题解析
输入
$7,000/year from age 25 to 65 at 7% return
结果
~$1.5 million tax-free
Only $280,000 contributed — $1.2M is tax-free growth
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