Calculadora Roth IRA
Projete o crescimento da sua Roth IRA com retiradas livres de impostos.
Limite 2025: $7.000/ano ($8.000 se 50+)
Saldo estimado do Roth IRA na aposentadoria
$1.108.292
em 35 anos (idade 65)
Renda mensal livre de impostos
$3.694/mes
Regra dos 4% - retiradas livres de impostos
Saldo inicial
$10.000
Contribuicoes
$245.000
Crescimento
$853.292
Vantagem Roth vs conta tributavel: $$237.940 a mais com crescimento isento.
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.
Perguntas frequentes
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 Earnings withdrawn before 59 1/2 may incur a 10% penalty and taxes, with some exceptions.