🧓 IRA 退休账户计算器（传统 / Roth）IRA Calculator (Traditional vs Roth)
估算传统 IRA 或 Roth IRA 到退休时的余额和税后价值，按 2026 年 IRS 缴费上限（$7,500，50 岁以上另加 $1,100 追加缴费）检查年缴费额。Project a Traditional or Roth IRA balance at retirement and its after-tax value, and check your yearly contribution against the 2026 IRS limit ($7,500, plus a $1,100 catch-up at age 50+).
使用说明与常见问题How-to & FAQ
「IRA 退休账户计算器（传统 / Roth）」是什么？What is the IRA Calculator (Traditional vs Roth) tool?
估算传统 IRA 或 Roth IRA 到退休时的余额和税后价值，按 2026 年 IRS 缴费上限（$7,500，50 岁以上另加 $1,100 追加缴费）检查年缴费额。Project a Traditional or Roth IRA balance at retirement and its after-tax value, and check your yearly contribution against the 2026 IRS limit ($7,500, plus a $1,100 catch-up at age 50+).
如何使用「IRA 退休账户计算器（传统 / Roth）」？How do I use the IRA Calculator (Traditional vs Roth) tool?
在「IRA 退休账户计算器（传统 / Roth）」中，填写「账户类型」、「当前余额」、「每年缴费」、「当前年龄」、「退休年龄」等参数，结果会随输入实时计算并显示在下方。In the IRA Calculator (Traditional vs Roth): Fill in "Account type", "Current balance", "Annual contribution", "Current age", "Retirement age"; results are recalculated instantly as you type.
2026 年 IRA 缴费上限是多少？What is the 2026 IRA contribution limit?
根据 IRS 2025 年 11 月 13 日公布的 2026 年度调整（IR-2025-111），传统和 Roth IRA 合计上限为 $7,500，当年年底前满 50 岁的人可再追加 $1,100，共 $8,600。Roth IRA 还受收入限制：2026 年按修正后调整总收入（MAGI）在单身 $153,000–$168,000、已婚合并申报 $242,000–$252,000 区间内递减，本工具不检查这一项。Per the IRS's 2026 adjustments announced 13 Nov 2025 (IR-2025-111), the combined Traditional and Roth IRA limit is $7,500, plus a $1,100 catch-up if you are 50 or older by the end of the year, for $8,600. Roth contributions also phase out by modified AGI between $153,000 and $168,000 (single) or $242,000 and $252,000 (married filing jointly) for 2026; this tool does not check that.
传统 IRA 和 Roth IRA 选哪个？Traditional or Roth?
如果预计退休时税率比现在低，传统 IRA 的“现在抵税、以后纳税”更划算；如果预计税率更高或想避免 RMD，Roth 更合适。本工具按退休时税率估算传统 IRA 的税后价值。If you expect a lower tax rate in retirement, a Traditional IRA (deduct now, pay tax later) tends to win; if you expect a higher rate or want to avoid RMDs, Roth tends to win. This tool estimates the Traditional IRA's after-tax value using your retirement tax rate.
计算假设是什么？What does it assume?
每年年末缴费一次、收益率固定、缴费额不变；未考虑通胀和费用。One contribution at the end of each year, a fixed return and a constant contribution; inflation and fees are ignored.
计算结果可以作为最终依据吗？Can I rely on the result?
「IRA 退休账户计算器（传统 / Roth）」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The IRA Calculator (Traditional vs Roth) uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「IRA 退休账户计算器（传统 / Roth）」免费吗？需要注册吗？Is the IRA Calculator (Traditional vs Roth) free? Do I need an account?
「IRA 退休账户计算器（传统 / Roth）」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The IRA Calculator (Traditional vs Roth) is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.