🧓 Roth IRA计算器Roth IRA Calculator
估算 Roth IRA 在退休时的余额（2026 年缴款上限 $7,500，50 岁以上 $8,600），并按收入检查可缴额度是否受限。Project your Roth IRA balance at retirement (2026 limit $7,500, or $8,600 at 50+) and check whether your income limits how much you can contribute.
使用说明与常见问题How-to & FAQ
「Roth IRA计算器」是什么？What is the Roth IRA Calculator tool?
估算 Roth IRA 在退休时的余额（2026 年缴款上限 $7,500，50 岁以上 $8,600），并按收入检查可缴额度是否受限。Project your Roth IRA balance at retirement (2026 limit $7,500, or $8,600 at 50+) and check whether your income limits how much you can contribute.
如何使用「Roth IRA计算器」？How do I use the Roth IRA Calculator tool?
在「Roth IRA计算器」中，填写「当前余额」、「每年缴款」、「当前年龄」、「退休年龄」、「预期年化收益 %」等参数，结果会随输入实时计算并显示在下方。In the Roth IRA Calculator: Fill in "Current balance", "Annual contribution", "Current age", "Retirement age", "Expected return %"; results are recalculated instantly as you type.
计算假设是什么？What does the projection assume?
假设每年年初缴款、收益率固定、年度复利，未考虑通胀和费用。2026 年上限与收入区间来自 IRS（IR-2025-111）：单身 MAGI $153,000–$168,000、已婚合并 $242,000–$252,000 区间内逐步减少。50 岁追加缴款按当年年底的年龄判断：只要在当年 12 月 31 日前满 50 岁即可；本工具按你填的当前年龄计算，并在 49 岁时提示。为简化，预测期间每年都按今天的上限计算。Contributions at the start of each year, a fixed annual return and annual compounding; no inflation or fees. 2026 limits and phase-outs are from the IRS (IR-2025-111): single MAGI $153,000–$168,000 and married filing jointly $242,000–$252,000. Catch-up eligibility depends on your age at year end — you qualify if you turn 50 by December 31; the tool uses the current age you enter and notes this at 49. For simplicity every projected year uses today's limit.
计算结果可以作为最终依据吗？Can I rely on the result?
「Roth IRA计算器」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 Roth IRA Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「Roth IRA计算器」免费吗？需要注册吗？Is the Roth IRA Calculator free? Do I need an account?
「Roth IRA计算器」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 Roth IRA Calculator is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.