Calculateur Roth IRA
Projetez la croissance de votre Roth IRA avec des retraits non imposes.
Limite 2025 : $7 000/an ($8 000 si 50+)
Solde estime du Roth IRA a la retraite
$1 108 292
dans 35 ans (age 65)
Revenu mensuel non impose
$3 694/mois
Regle des 4% - retraits non imposes
Solde initial
$10 000
Cotisations
$245 000
Croissance
$853 292
Avantage Roth vs compte imposable : $$237 940 de plus grace a la croissance non imposee.
Roth IRA Calculator: tax-free retirement withdrawals
A Roth IRA is an individual retirement account where you contribute after-tax dollars, but all qualified withdrawals in retirement are completely tax-free, including investment gains. For 2025, the contribution limit is $7,000 for those under 50 and $8,000 for those 50 and older ($1,000 catch-up contribution).
Unlike a traditional 401(k) or traditional IRA, there is no tax deduction when contributing, but the advantage lies in tax-free growth. Over a 30-35 year horizon, tax-free compound growth can result in hundreds of thousands of additional dollars compared to a taxable account.
The 4% rule suggests you can withdraw 4% of your portfolio in the first year of retirement and adjust for inflation each subsequent year, with a high probability of your money lasting at least 30 years. In a Roth IRA, these withdrawals are completely free of federal taxes, unlike a 401(k) where each withdrawal is taxed as ordinary income.
Questions fréquentes
What is a Roth IRA?
A Roth IRA is a retirement account where you contribute after-tax dollars. The money grows tax-free and all qualified withdrawals after age 59 1/2 are completely tax-free, including investment gains.
How much can I contribute to a Roth IRA in 2025?
The 2025 contribution limit is $7,000 if you are under 50, and $8,000 if you are 50 or older. Income limits apply: single filers above $161,000 MAGI have reduced limits.
What is the difference between Roth IRA and traditional IRA?
Traditional IRA contributions may be tax-deductible but withdrawals are taxed. Roth IRA contributions are not deductible but withdrawals are tax-free. Roth IRA has no Required Minimum Distributions (RMDs).
Can I withdraw from my Roth IRA early?
You can withdraw your contributions (not earnings) at any time without penalty or tax. Earnings withdrawn before 59 1/2 may incur a 10% penalty and taxes, with some exceptions.