Roth IRA Calculator

Ez az eszköz kiszámítja a Roth IRA megtakarítások várható egyenlegét, és összeveti egy hagyományos adóköteles számlával. Elsősorban amerikai állampolgárok számára készült. További IRA típusokkal kapcsolatos számítások vagy információk érdekében látogasd meg IRA Kalkulátort.

Annual Schedule

	Principal		Roth IRA		Taxable account
Age	Start	End	Start	End	Start	End
30	$30,000	$37,500	$30,000	$39,300	$30,000	$38,850
31	$37,500	$45,000	$39,300	$49,158	$38,850	$48,098
32	$45,000	$52,500	$49,158	$59,607	$48,098	$57,763
33	$52,500	$60,000	$59,607	$70,684	$57,763	$67,862
34	$60,000	$67,500	$70,684	$82,425	$67,862	$78,416
35	$67,500	$75,000	$82,425	$94,870	$78,416	$89,444
36	$75,000	$82,500	$94,870	$108,063	$89,444	$100,969
37	$82,500	$90,000	$108,063	$122,046	$100,969	$113,013
38	$90,000	$97,500	$122,046	$136,869	$113,013	$125,599
39	$97,500	$105,000	$136,869	$152,581	$125,599	$138,751
40	$105,000	$112,500	$152,581	$169,236	$138,751	$152,494
41	$112,500	$120,000	$169,236	$186,890	$152,494	$166,857
42	$120,000	$127,500	$186,890	$205,604	$166,857	$181,865
43	$127,500	$135,000	$205,604	$225,440	$181,865	$197,549
44	$135,000	$142,500	$225,440	$246,467	$197,549	$213,939
45	$142,500	$150,000	$246,467	$268,755	$213,939	$231,066
46	$150,000	$157,500	$268,755	$292,380	$231,066	$248,964
47	$157,500	$165,000	$292,380	$317,423	$248,964	$267,667
48	$165,000	$172,500	$317,423	$343,968	$267,667	$287,213
49	$172,500	$180,000	$343,968	$372,106	$287,213	$307,637
50	$180,000	$187,500	$372,106	$401,932	$307,637	$328,981
51	$187,500	$195,000	$401,932	$433,548	$328,981	$351,285
52	$195,000	$202,500	$433,548	$467,061	$351,285	$374,593
53	$202,500	$210,000	$467,061	$502,585	$374,593	$398,949
54	$210,000	$217,500	$502,585	$540,240	$398,949	$424,402
55	$217,500	$225,000	$540,240	$580,154	$424,402	$451,000
56	$225,000	$232,500	$580,154	$622,464	$451,000	$478,795
57	$232,500	$240,000	$622,464	$667,311	$478,795	$507,841
58	$240,000	$247,500	$667,311	$714,850	$507,841	$538,194
59	$247,500	$255,000	$714,850	$765,241	$538,194	$569,913
60	$255,000	$262,500	$765,241	$818,656	$569,913	$603,059
61	$262,500	$270,000	$818,656	$875,275	$603,059	$637,696
62	$270,000	$277,500	$875,275	$935,291	$637,696	$673,893
63	$277,500	$285,000	$935,291	$998,909	$673,893	$711,718
64	$285,000	$292,500	$998,909	$1,066,343	$711,718	$751,245

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A Roth IRA egy egyéni nyugdíjcélú számla, amely adómentes növekedést és nyugdíjba vonuláskor adómentes kifizetést biztosít. Ezzel szemben a hagyományos IRA-k esetében a befizetések levonhatóak az adóból, míg a Roth befizetések (de nem a hozamok) bármikor, büntetés nélkül kivehetők. A Roth IRA-t a 1997-es adócsökkentési törvény hozta létre, és William Roth szenátor után kapta a nevét.

Roth IRA számlákat számos pénzintézetnél lehet nyitni, legyen szó nagy, ismert bankokról vagy kizárólag online működő befektetési szolgáltatókról. Az IRS felügyeli ezeket a cégeket, és mindegyiknek meg kell felelnie bizonyos előírásoknak, bár mindegyiknek lehetnek saját előnyei.

Roth IRA Contributions

• Made using after-tax dollars.
• Nem igényel adólevonást, de az 8880-as űrlapon igényelhető a Takarekedő adókedvezmény, amely a befizetett első 2 000 USD 50 %-át visszatéríti.
• A befizetett összeg bármikor adó- és büntetésmentesen felvehető. A nyereség csak akkor adózik vagy büntetést kap, ha a kivétel előtt a számlatulajdonos még nem ért el 59½ éves kort, vagy a számla kevesebb mint öt évvel rendelkezik.
• Magas jövedelmű egyének nem jogosultak közvetlen Roth IRA‑ba befizetni. 2026-ban az egyedülállók és háztartásfejlesztőknek 168 000 USD, a házas közös benyújtók számára 252 000 USD a felső határ. Emellett a befizetéshez rendelkezni kell jövedelemmel (bér, borravaló, bónusz vagy önálló vállalkozói jövedelem) az adott évben.
• The contribution limit in 2026 for those aged 49 and below is $7,500. For those aged 50 and above, the limit is $8,600.
• Contributions for a given tax year can be made to a Roth IRA up until taxes are filed in April of the next year.

Roth IRA Distribution Details

• Direct contributions can be withdrawn tax-free and penalty-free anytime.
• Concerning Roth IRAs five years or older, tax-free and penalty-free withdrawal on earnings can occur after the age of 59 ½.
• Withdrawals on earnings from Roth IRAs that are less than five years old are subject to both taxes and penalties. However, given a number of situations (listed below), it is possible to avoid a penalty, but not the taxes, on accounts less than five years old as long as any one (or more) of the conditions below is met. For accounts older than five years old, these same conditions apply and result in a tax only if none of the conditions are met, or neither a tax nor a penalty if any one of the conditions is met.
  • The account holder is 59 ½ or older.
  • The account holder becomes disabled.
  • The money is being used
    • to cover a first home purchase, capped at a $10,000 lifetime total.
    • to settle qualified education costs.
    • to provide for a beneficiary after the account holder’s death.
    • to pay unreimbursed medical bills or health‑insurance premiums during periods of unemployment.
• There is no required minimum distribution (RMD) for Roth IRAs (unlike those required for traditional IRAs or 401(k)s). Roth IRAs are the only tax-sheltered retirement plans that do not impose RMDs.

Pros of Roth IRA

Adómentes visszavonás a befizetésekre – A hagyományos 401(k) és IRA számlák csak nyugdíjkorhatár elérése után engednek adó- vagy büntetésmentes pénzfelvételt, ami gyakran évtizedekre van kilátásban. Mivel a Roth IRA‑ba befizetett összeg már adózott pénzből származik, a befizetések (de nem a hozamok) bármikor szabadon, büntetés nélkül kivonhatók.

Likviditás – A Roth IRA-t vészhelyzet esetén könnyen felhasználhatod, mivel a befizetések adó- és büntetésmentesek. Ha azonban a befizetés után elérted az éves plafont, ugyanazt az összeget már nem viheted vissza ugyanabban az adóévben, ekkor a felvett összeg a normál befektetési számládhoz számít.

Tax-Free Retirement Income–Distributions or withdrawals during retirement are not taxed because the taxes were already paid upfront.

Broad range of investment choices—You can open a Roth IRA at virtually any major brokerage. The selection of assets you can hold is generally limited only by the products each firm provides.

Not counted on FAFSA—For families, a Roth IRA’s balance doesn’t appear on the Free Application for Federal Student Aid, which helps preserve eligibility for federal grants. Moreover, contributions can later be tapped for qualified education costs without being listed as an asset on the FAFSA.

Beneficial for heirs—Because contributions have already been taxed, beneficiaries who inherit a Roth IRA receive distributions that are tax‑free. Surviving spouses enjoy the same advantage and are not forced to take withdrawals right away. Additionally, the lack of taxes on contributions can shrink the taxable estate, leaving more for heirs.

Tax diversification in retirement—When retirees draw from traditional 401(k)s, IRAs or Social Security, those amounts are taxable. By sprinkling Roth IRA withdrawals into the mix, retirees can control their taxable income and avoid pushing themselves into a higher bracket, since Roth distributions are not included as taxable income.

Cons of Roth IRA

Taxes are paid upfront–Contributions are made with after-tax dollars.

Modest contribution ceiling—For the 2026 tax year the IRA contribution cap is $7,500 for individuals under 50 and $8,600 for those 50 or older, whereas the 401(k) limit stands at $24,500 annually.

Income eligibility ceiling—High‑earners are barred from contributing directly to a Roth IRA. In 2026 the phase‑out begins at $168,000 of adjusted gross income for single filers (or heads of household) and $252,000 for married couples filing jointly. Those above these thresholds may still fund a traditional IRA and then convert it to a Roth.

No immediate tax deduction—Because contributions are made with after‑tax dollars, they don’t lower your current taxable income. Nonetheless, low‑ and middle‑income taxpayers may qualify for the Saver’s Credit, which can offset 10‑50 % of the first $2,000 contributed, though the credit is non‑refundable.

Five‑year holding rule—Earnings can be withdrawn tax‑free only after the account has been open for at least five years, a rule that mainly affects those who start a Roth IRA later in life. The start date depends on whether the distribution is qualified or not: for qualified withdrawals it begins on the first day of the year the Roth was first funded; for non‑qualified withdrawals each conversion has its own five‑year clock starting January 1 of the conversion year.

Charitable donations–Account holders that plan on leaving their assets to charitable organizations would benefit less if most of their funds were placed in a Roth IRA. Because charities are tax-sheltered entities, contributions with after-tax dollars will be lower than contributions from tax-deferred retirement plans such as traditional IRAs or 401(k)s.

Converting Traditional IRAs into Roth IRAs

The IRS allows people to convert a traditional IRA into a Roth IRA, which a person may want to do under certain circumstances.

• Individuals barred by the income phase‑out from making direct Roth contributions can still transfer money from a Traditional IRA into a Roth IRA, irrespective of their earnings.
• There is no cap on the amount you can convert from a Traditional IRA to a Roth IRA; you may move any balance, bypassing the annual contribution limits.
• If you anticipate higher tax rates down the road, converting a tax‑deferred Traditional IRA into a Roth IRA can lock in today’s lower rate and reduce future tax liability.
• Because Traditional IRAs require minimum distributions beginning at age 73, whereas Roth IRAs have none, seniors who expect a long lifespan may prefer to convert to delay mandatory withdrawals.

Often called a “backdoor Roth IRA,” this strategy sidesteps the income caps on direct contributions. Conversions are not subject to income limits, and there are three primary ways to execute one. Below are some common conversion techniques:

Method 1 – Same trustees

The easiest method will be to make a transfer from a traditional to a Roth IRA within the same financial institution that holds the funds.

Method 2 – Different trustees

Choosing to stay with a single broker isn’t always the best choice. Different firms may offer a broader selection of mutual funds, distinct benefits that have nothing to do with Roth‑IRA law, superior support, or more user‑friendly platforms. Usually the institution you move to will take care of the paperwork: it asks the old custodian for the assets, which are typically mailed as a check. When the legacy IRA holds individual equities that you prefer not to liquidate, the former custodian can forward the stock certificates to the new custodian, which then records them in the IRA.

Method 3 – 60-day rollover

A further option is a 60‑day rollover: you receive a check for the balance of your traditional IRA and must redeposit it into a Roth IRA within sixty days. Missing that deadline turns the distribution—after subtracting any nondeductible basis—into ordinary taxable income for that year, and the IRS also imposes a 10 % early‑withdrawal penalty, effectively voiding the conversion. The agency can excuse the timing rule only in extraordinary circumstances such as a natural disaster or other events beyond your control.

Considerations before Making a Conversion

• Ensure you have enough cash outside the IRA to cover the tax bill from the conversion. Paying the tax with IRA assets will erode the tax‑free earnings you’re trying to preserve.
• Make sure there is sufficient income from non-retirement account sources to support the desired lifestyle in retirement.
• In most cases, younger investors reap the greatest advantage from tax‑free compounding. If you’re making contributions close to retirement, verify that the money has sufficient time to appreciate enough to counterbalance the taxes paid up front. Remember, earnings stay untaxed only after the account has been open for a minimum of five years.
• Paying the income tax on a conversion with money from the sale of appreciated assets can result in having to pay a capital gains tax.
• Required Minimum Distributions, or RMDs, cannot be converted into Roth IRA funds.
• The IRS limits rollovers to once per year per IRA account.

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