{"id":695,"date":"2026-10-03T15:09:44","date_gmt":"2026-10-03T14:09:44","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/roth-ira-hesaplama\/"},"modified":"2026-10-03T15:09:44","modified_gmt":"2026-10-03T14:09:44","slug":"roth-ira-hesaplama","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/roth-ira-hesaplama\/","title":{"rendered":"Roth IRA Hesaplama Arac\u0131"},"content":{"rendered":"<section class=\"not-prose calculator-box\" aria-labelledby=\"calculator-title\"><div class=\"flex items-baseline sm:items-center justify-between gap-2 sm:gap-3\"><div class=\"flex flex-col sm:flex-row sm:items-center gap-2\"><span class=\"icon icon-calculator text-primary-700! text-base! dark:text-primary-300!\" aria-hidden=\"true\"><\/span><h2 id=\"calculator-title\" class=\"text-lg font-display font-bold\">Roth IRA B\u00fcy\u00fcme Tahmin Arac\u0131<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"695\" data-favorite-title=\"Roth IRA (Bireysel Emeklilik Hesab\u0131)\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/roth-ira-hesaplama\/\" data-favorite-excerpt=\"Roth IRA hesab\u0131n\u0131z\u0131n emeklilikte ne kadar tutaca\u011f\u0131n\u0131 tahmin edin. Y\u0131ll\u0131k katk\u0131 tutar\u0131n\u0131z\u0131, birikim yapaca\u011f\u0131n\u0131z y\u0131l say\u0131s\u0131n\u0131 ve beklenen y\u0131ll\u0131k getiriyi girerek gelecekteki de\u011feri ve vergisiz \u00e7ekebilece\u011finiz tutar\u0131 g\u00f6r\u00fcn.\" aria-label=\"Favorilere ekle\" data-favorite-icon=\"icon icon-loan\">\n    <span class=\"icon icon-shape-star-empty\" aria-hidden=\"true\"><\/span>\n  <\/button>\n  <div class=\"calcdash-favorite__tip\" aria-hidden=\"true\">\n   <span class=\"favorite-tooltip\" id=\"favorite-tooltip\"><\/span>\n  <\/div>\n  <span class=\"sr-only\" role=\"status\" id=\"favorite-status\"><\/span>\n<\/div><\/div><form action=\"https:\/\/wpcalc.com\/tr\/finans\/roth-ira-hesaplama\/\" method=\"POST\" class=\"calculator\" id=\"calculator-695\" data-post=\"695\"><fieldset class=\"fieldset-input\"><legend class=\"sr-only\">Giri\u015f alanlar\u0131<\/legend><div class=\"field has-term\" id=\"input-1\"><label for=\"field-1\">Y\u0131ll\u0131k Katk\u0131 Pay\u0131 Tutar\u0131<\/label><div class=\"term\">P<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"yllk_katk_pay_tutar\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"6000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">Roth IRA hesab\u0131n\u0131za y\u0131lda ne kadar katk\u0131 pay\u0131 \u00f6dedi\u011finizi girin<\/small><\/div><div class=\"field has-term\" id=\"input-2\"><label for=\"field-2\">Mevcut Vergi Oran\u0131<\/label><div class=\"term\">Vergi<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"mevcut_vergi_oran\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"24\"\/><div class=\"unit\" id=\"calc-unit-2\">%<\/div><small id=\"calc-info-2\">Mevcut marjinal vergi oran\u0131n\u0131z (yaln\u0131zca bilgi ama\u00e7l\u0131d\u0131r)<\/small><\/div><div class=\"field has-term\" id=\"input-3\"><label for=\"field-3\">Birikim Yap\u0131lacak Y\u0131l Say\u0131s\u0131<\/label><div class=\"term\">n<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"birikim_yaplacak_yl_says\" id=\"field-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" value=\"30\"\/><div class=\"unit\" id=\"calc-unit-3\">y\u0131l<\/div><small id=\"calc-info-3\">Ka\u00e7 y\u0131l boyunca katk\u0131 pay\u0131 \u00f6deyeceksiniz<\/small><\/div><div class=\"field has-term\" id=\"input-4\"><label for=\"field-4\">Beklenen Y\u0131ll\u0131k Getiri<\/label><div class=\"term\">r<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"beklenen_yllk_getiri\" id=\"field-4\" aria-describedby=\"calc-unit-4 calc-info-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"7\"\/><div class=\"unit\" id=\"calc-unit-4\">%<\/div><small id=\"calc-info-4\">Beklenen y\u0131ll\u0131k getiri oran\u0131<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"695\">Hesapla<\/button><button type=\"reset\">S\u0131f\u0131rla<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Otomatik hesapla<\/label><small>Etkinle\u015ftirilirse, herhangi bir de\u011feri de\u011fi\u015ftirdi\u011finizde sonu\u00e7 otomatik olarak g\u00fcncellenir.<\/small><\/div><div class=\"fieldset-result is-hidden\" aria-labelledby=\"result-title\" aria-live=\"polite\" role=\"region\"> <h3 class=\"result-title bg-gradient-to-r from-primary-50 to-gray-50 dark:from-primary-900 dark:to-gray-800\" id=\"result-title\"><span class=\"icon icon-s-pulse\" aria-hidden=\"true\"><\/span> Sonu\u00e7lar\u0131n\u0131z<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Gelecek De\u011fer (Toplam Roth IRA)<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>\u00c7ekim Tutar\u0131 (Vergisiz)<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>Kazan\u0131lan Toplam Faiz<\/span><\/span><span class=\"field-value\" id=\"result-3\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><\/div><div class=\"result-actions\"><button type=\"button\" class=\"copy-link\"><svg viewBox=\"0 0 20 20\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M12.232 4.232a2.5 2.5 0 0 1 3.536 3.536l-1.225 1.224a.75.75 0 0 0 1.061 1.06l1.224-1.224a4 4 0 0 0-5.656-5.656l-3 3a4 4 0 0 0 .225 5.865.75.75 0 0 0 .977-1.138 2.5 2.5 0 0 1-.142-3.667l3-3Z\"\/><path d=\"M11.603 7.963a.75.75 0 0 0-.977 1.138 2.5 2.5 0 0 1 .142 3.667l-3 3a2.5 2.5 0 0 1-3.536-3.536l1.225-1.224a.75.75 0 0 0-1.061-1.06l-1.224 1.224a4 4 0 1 0 5.656 5.656l3-3a4 4 0 0 0-.225-5.865Z\"\/><\/svg><span class=\"copy-link__text\">Bu hesaplaman\u0131n ba\u011flant\u0131s\u0131n\u0131 kopyala<\/span><\/button><span class=\"sr-only\" role=\"status\" id=\"copy-link-status\"><\/span><\/div><\/div><a href=\"#respond\" class=\"hidden transition-opacity duration-300 opacity-0 w-50 text-sm justify-center items-center gap-2 px-4 py-2 rounded bg-gray-200 text-gray-700 hover:bg-gray-300\" id=\"leave-comment\"><span class=\"icon icon-comments\" aria-hidden=\"true\"><\/span>Yorum b\u0131rak<\/a><\/form><\/section><section id=\"calc-reactions\" class=\"not-prose hidden my-12 bg-gradient-to-r from-primary-50 to-gray-50 border border-indigo-100 rounded-xl px-6 py-4 shadow-sm\" data-post=\"695\" aria-live=\"polite\" aria-labelledby=\"calc-reactions-title\"><p id=\"calc-reactions-title\" class=\"text-sm text-gray-500 text-center mb-2\">Bu sonu\u00e7 hakk\u0131nda ne d\u00fc\u015f\u00fcn\u00fcyorsunuz?<\/p><div role=\"group\" aria-labelledby=\"calc-reactions-title\" class=\"grid grid-cols-3 sm:flex sm:flex-row sm:justify-around gap-4 sm:items-center sm:flex-wrap\"><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"like\"><span class=\"reaction-count\" data-reaction-count=\"like\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude00 <\/span><span class=\"reaction-description font-medium\">Be\u011fendim <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"helpful\"><span class=\"reaction-count\" data-reaction-count=\"helpful\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\udca1 <\/span><span class=\"reaction-description font-medium\">Faydal\u0131 <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"confused\"><span class=\"reaction-count\" data-reaction-count=\"confused\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude15 <\/span><span class=\"reaction-description font-medium\">Kafam kar\u0131\u015ft\u0131 <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"disappointed\"><span class=\"reaction-count\" data-reaction-count=\"disappointed\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude1e <\/span><span class=\"reaction-description font-medium\">Hayal k\u0131r\u0131kl\u0131\u011f\u0131 <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"inaccurate\"><span class=\"reaction-count\" data-reaction-count=\"inaccurate\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\u274c <\/span><span class=\"reaction-description font-medium\">Hatal\u0131 <\/span><\/button><\/div><div id=\"reaction-message\" class=\"hidden mt-8 rounded-md border border-primary-100 bg-white\/50 backdrop-blur-sm px-4 py-2 text-sm text-center shadow-sm\"><\/div><\/section><div class=\"calcdash-ad not-prose calcdash-ad--calc_result calcdash-ad--in-article\"><ins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-1721569815777345\" data-ad-slot=\"6317458308\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\"><\/ins><script>(adsbygoogle = window.adsbygoogle || []).push({});<\/script><\/div>\n<style id=\"wpcoderpro-inline-1\">.formula-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section class=\"formula-box\" aria-labelledby=\"formula-title\">\r\n\t<div id=\"formula-title\" class=\"not-prose font-display mb-4\"><span class=\"icon icon-formula\" aria-hidden=\"true\"><\/span><h2>Roth IRA Gelecekteki De\u011fer Form\u00fcl\u00fc<\/h2><\/div>\r\n\t<figure class=\"not-prose formula\">\r\n\t\t<figcaption class=\"formula-title\">Form\u00fcl<\/figcaption>\r\n\t\t<div class=\"text-base text-gray-800\" id=\"formula\">\n\\[ FV = P \\times \\frac{(1 + r)^n - 1}{r} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Burada:<\/strong><\/p>\n<ul>\n<li>\\(FV\\) \u2014 Roth IRA hesab\u0131n\u0131n gelecekteki de\u011feri ($)<\/li>\n<li>\\(P\\) \u2014 y\u0131ll\u0131k katk\u0131 tutar\u0131 ($)<\/li>\n<li>\\(r\\) \u2014 beklenen y\u0131ll\u0131k getiri oran\u0131 (ondal\u0131k olarak, yani %7 = 0,07)<\/li>\n<li>\\(n\\) \u2014 katk\u0131 yap\u0131lan y\u0131l say\u0131s\u0131<\/li>\n<\/ul>\n<p>Bu, s\u0131radan bir ann\u00fcitenin (basit rantan\u0131n) gelecekteki de\u011feridir: her y\u0131l\u0131n sonunda ayn\u0131 tutar\u0131 yat\u0131rd\u0131\u011f\u0131n\u0131z\u0131 ve bakiyenin y\u0131ll\u0131k \\(r\\) oran\u0131yla bile\u015fik faizle b\u00fcy\u00fcd\u00fc\u011f\u00fcn\u00fc varsayar. Vergi oran\u0131 form\u00fclde yer almaz, \u00e7\u00fcnk\u00fc uygun (qualified) Roth IRA \u00e7ekimleri vergisizdir; girdilerde yaln\u0131zca kar\u015f\u0131la\u015ft\u0131rma amac\u0131yla g\u00f6sterilir.<\/p>\n<p>\r\n<\/section>\n<style id=\"wpcoderpro-inline-2\">.calculation-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section id=\"calculation\" class=\"calculation-box\" aria-labelledby=\"calculation-title\">\r\n\t<div id=\"calculation-title\" class=\"not-prose font-display\"><span class=\"icon icon-unordered-list\" aria-hidden=\"true\"><\/span><h2>Roth IRA \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> 30 y\u0131l boyunca y\u0131lda 6.000 $ katk\u0131 yap\u0131yorsunuz ve ortalama y\u0131ll\u0131k %7 getiri bekliyorsunuz.<\/p>\n<p>\\[ FV = 6{,}000 \\times \\frac{(1 + 0.07)^{30} - 1}{0.07} \\]<\/p>\n<p>\\[ FV = 6{,}000 \\times \\frac{7.612255 - 1}{0.07} = 6{,}000 \\times 94.4608 \\approx 566{,}765 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> hesap yakla\u015f\u0131k <strong>566.765 $<\/strong>'a ula\u015f\u0131yor. Bunun 180.000 $'\u0131 kendi katk\u0131lar\u0131n\u0131z (30 \u00d7 6.000 $), yakla\u015f\u0131k <strong>386.765 $<\/strong>'\u0131 ise yat\u0131r\u0131m getirisi \u2014 \u00e7ekim uygun (qualified) oldu\u011fu takdirde t\u00fcm\u00fc vergisiz olarak \u00e7ekilebilir.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplama Arac\u0131 Nas\u0131l Kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li><strong>Y\u0131ll\u0131k Yat\u0131r\u0131m Tutar\u0131n\u0131<\/strong> girin \u2014 her y\u0131l katk\u0131 yapmay\u0131 planlad\u0131\u011f\u0131n\u0131z toplam tutar (2023 s\u0131n\u0131r\u0131 50 ya\u015f alt\u0131 i\u00e7in 6.500 $ idi, ancak ya\u015f\u0131n\u0131za uygun g\u00fcncel IRS s\u0131n\u0131r\u0131n\u0131 kullan\u0131n).<\/li>\n<li><strong>Mevcut Vergi Oran\u0131n\u0131z\u0131<\/strong> girin \u2014 bug\u00fcnk\u00fc marjinal vergi oran\u0131n\u0131z. Bu yaln\u0131zca bilgilendirme ama\u00e7l\u0131d\u0131r ve sonucu etkilemez.<\/li>\n<li><strong>Birikim Yap\u0131lacak Y\u0131l Say\u0131s\u0131n\u0131<\/strong> girin \u2014 emeklili\u011fe ya da katk\u0131 yapmay\u0131 b\u0131rakana kadar ge\u00e7ecek y\u0131llar.<\/li>\n<li><strong>Beklenen Y\u0131ll\u0131k Getiriyi<\/strong> girin \u2014 varsayd\u0131\u011f\u0131n\u0131z ortalama y\u0131ll\u0131k b\u00fcy\u00fcme oran\u0131; \u00f6rne\u011fin hisse a\u011f\u0131rl\u0131kl\u0131 bir portf\u00f6y i\u00e7in %7.<\/li>\n<li>Sonu\u00e7lar\u0131 okuyun: <strong>Gelecekteki De\u011fer (Toplam Roth IRA)<\/strong>, <strong>\u00c7ekim Tutar\u0131 (Vergisiz)<\/strong> ve <strong>Kazan\u0131lan Toplam Faiz\/Getiri<\/strong>.<\/li>\n<\/ol>\n<h2>Roth IRA Nedir?<\/h2>\n<p>Roth IRA, vergi sonras\u0131 paralarla finansman sa\u011flanan bireysel bir emeklilik hesab\u0131d\u0131r. Katk\u0131 yapt\u0131\u011f\u0131n\u0131zda vergi indirimi elde etmezsiniz, ancak paran\u0131z vergisiz b\u00fcy\u00fcr ve emeklilikteki uygun \u00e7ekimler \u2014 t\u00fcm yat\u0131r\u0131m kazan\u00e7lar\u0131 dahil \u2014 federal gelir vergisinden tamamen muaft\u0131r. Bu durum, katk\u0131lar indirilebilir olabilen ancak \u00e7ekimlerin ola\u011fan gelir olarak vergilendirildi\u011fi Geleneksel IRA'n\u0131n (Traditional IRA) tam tersidir.<\/p>\n<p>\u00c7ekimler vergisiz oldu\u011fu i\u00e7in hesaplama arac\u0131ndaki gelecekteki de\u011fer ayn\u0131 zamanda fiilen harcayabilece\u011finiz tutard\u0131r. Vergilendirilen veya ertelenen vergili bir hesapta ayn\u0131 bakiye vergiler sonra k\u00fc\u00e7\u00fcl\u00fcrd\u00fc; dolay\u0131s\u0131yla bir Roth bakiyesi, ayn\u0131 miktardaki vergi \u00f6ncesi bakiyeden fiilen \"daha de\u011ferlidir\". \u0130ki hesap t\u00fcr\u00fc aras\u0131nda karar veriyorsan\u0131z, bunlar\u0131 <a href=\"https:\/\/wpcalc.com\/tr\/finans\/roth-ira-mi-traditional-ira-mi\/\">Roth ve Geleneksel IRA kar\u015f\u0131la\u015ft\u0131rma arac\u0131m\u0131zla<\/a> do\u011frudan kar\u015f\u0131la\u015ft\u0131rabilirsiniz.<\/p>\n<p>Bir Roth IRA'n\u0131n g\u00fcc\u00fc, uzun vadeli bile\u015fik getiri\u6765\u81ea comes from uzun vadeli bile\u015fik getiriden gelir. Yukar\u0131daki \u00f6rnekte nihai bakiyenin \u00fc\u00e7te ikisinden fazlas\u0131 yat\u0131r\u0131m getirisidir. Bu nedenle erken ba\u015flamak, ge\u00e7 d\u00f6nemde b\u00fcy\u00fck tutarlar katk\u0131 yapmaktan \u00e7ok daha \u00f6nemlidir: on y\u0131l ek bile\u015fik getiri, nihai bakiyeye, katk\u0131n\u0131z\u0131 yar\u0131 s\u00fcre i\u00e7in ikiye katlamaktan daha fazla katk\u0131da bulunabilir.<\/p>\n<h2>Sonu\u00e7lar Nas\u0131l Yorumlan\u0131r?<\/h2>\n<p><strong>Gelecekteki De\u011fer<\/strong>, birikim d\u00f6neminin sonundaki \u00f6ng\u00f6r\u00fclen hesap bakiyesidir. <strong>\u00c7ekim Tutar\u0131<\/strong> bu rakama e\u015fittir, \u00e7\u00fcnk\u00fc uygun Roth da\u011f\u0131t\u0131mlar\u0131 vergilendirilmez. <strong>Kazan\u0131lan Toplam Faiz\/Getiri<\/strong>, gelecekteki de\u011fer ile toplam katk\u0131lar\u0131n\u0131z aras\u0131ndaki farkt\u0131r \u2014 emeklilik gelirinizin ne kadar\u0131n\u0131n birikimden de\u011fil, b\u00fcy\u00fcmeden geldi\u011fini g\u00f6steren yararl\u0131 bir \u00f6l\u00e7\u00fctt\u00fcr.<\/p>\n<p>Sonu\u00e7lar\u0131n nominal dolar cinsinden oldu\u011funu unutmay\u0131n. 30 y\u0131l boyunca enflasyon, \u00f6ng\u00f6r\u00fclen bakiyenin sat\u0131n alma g\u00fcc\u00fcn\u00fc d\u00fc\u015f\u00fcrecektir. Nihai rakay\u0131 ayl\u0131k bir emeklilik gelir ak\u0131m\u0131na d\u00f6n\u00fc\u015ft\u00fcrmek veya birden fazla hesab\u0131 birlikte modellemek istiyorsan\u0131z <a href=\"https:\/\/wpcalc.com\/tr\/finans\/emeklilik-planlayici\/\">Emeklilik Planlay\u0131c\u0131s\u0131n\u0131<\/a> kullan\u0131n.<\/p>\n<h2>Varsay\u0131mlar ve S\u0131n\u0131rlamalar<\/h2>\n<ul>\n<li><strong>Katk\u0131lar y\u0131ll\u0131kt\u0131r, ayl\u0131k de\u011fil.<\/strong> Form\u00fcl, her y\u0131l\u0131n sonunda bir kez yat\u0131r\u0131m yap\u0131ld\u0131\u011f\u0131n\u0131 varsayar. Ayl\u0131k katk\u0131 yap\u0131yorsan\u0131z ger\u00e7ek bakiyeniz biraz daha y\u00fcksek olur; <a href=\"https:\/\/wpcalc.com\/tr\/finans\/aylik-yatirim-birikimi\/\">Ayl\u0131k Yat\u0131r\u0131m Birikimi hesaplama arac\u0131<\/a> bu durumu modellemektedir.<\/li>\n<li><strong>Sabit getiri oran\u0131.<\/strong> Ger\u00e7ek piyasalar dalgalan\u0131r; \u00e7e\u015fitlendirilmi\u015f bir hisse portf\u00f6y\u00fc i\u00e7in %5\u20137 uzun vadeli yayg\u0131n bir varsay\u0131md\u0131r, ancak ger\u00e7ek y\u0131ldan y\u0131la sonu\u00e7lar farkl\u0131 olacakt\u0131r.<\/li>\n<li><strong>Kat\u0131 limitleri yok say\u0131l\u0131r.<\/strong> IRS, y\u0131ll\u0131k Roth IRA katk\u0131lar\u0131na \u00fcst s\u0131n\u0131r koyar (50 ya\u015f\u0131ndan itibaren ek telafi katk\u0131s\u0131na izin verilir) ve daha y\u00fcksek gelirlerde uygunlu\u011fu kademeli olarak d\u00fc\u015f\u00fcr\u00fcr. \u00d6ng\u00f6r\u00fcye dayanmadan \u00f6nce g\u00fcncel limitleri kontrol edin.<\/li>\n<li><strong>Vergi oran\u0131 bilgilendirme ama\u00e7l\u0131d\u0131r.<\/strong> Hesaplamay\u0131 de\u011fi\u015ftirmez. Daha y\u00fcksek mevcut vergi oran\u0131, Geleneksel IRA lehine ana arg\u00fcmand\u0131r; emeklilikte beklenen daha d\u00fc\u015f\u00fck oran ise Roth'u avantajl\u0131 k\u0131lar.<\/li>\n<li><strong>\u00c7ekimlerin uygun (qualified) olmas\u0131 gerekir.<\/strong> Vergisiz muamele i\u00e7in hesab\u0131n en az 5 y\u0131l eski olmas\u0131 ve sahibinin 59,5 ya\u015f veya \u00fczerinde olmas\u0131 gerekir (ilk ev al\u0131m\u0131 veya maluliyet gibi istisnalar vard\u0131r). Kazan\u00e7lar\u0131n erken \u00e7ekimi vergilere ve %10 cezaya tabi olabilir.<\/li>\n<\/ul>\n<p>Beklenen getirinizin risk tolerans\u0131n\u0131za g\u00f6re ger\u00e7ek\u00e7i olup olmad\u0131\u011f\u0131n\u0131 h\u0131zl\u0131ca kontrol etmek i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/yatirim-getirisi\/\">Yat\u0131r\u0131m Getirisi (ROI) hesaplama arac\u0131<\/a> ge\u00e7mi\u015f veya \u00f6ng\u00f6r\u00fclen performans\u0131 de\u011ferlendirmenize yard\u0131mc\u0131 olabilir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Roth IRA hesab\u0131n\u0131z\u0131n emeklilikte ne kadar tutaca\u011f\u0131n\u0131 tahmin edin. Y\u0131ll\u0131k katk\u0131 tutar\u0131n\u0131z\u0131, birikim yapaca\u011f\u0131n\u0131z y\u0131l say\u0131s\u0131n\u0131 ve beklenen y\u0131ll\u0131k getiriyi girerek gelecekteki de\u011feri ve vergisiz \u00e7ekebilece\u011finiz tutar\u0131 g\u00f6r\u00fcn.<\/p>\n","protected":false},"author":3168,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7],"tags":[75],"class_list":["post-695","post","type-post","status-publish","format-standard","hentry","category-finans","tag-konut-kredisi"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/695","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/users\/3168"}],"replies":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/comments?post=695"}],"version-history":[{"count":4,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/695\/revisions"}],"predecessor-version":[{"id":3326,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/695\/revisions\/3326"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=695"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=695"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=695"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}