{"id":699,"date":"2026-10-03T15:10:27","date_gmt":"2026-10-03T14:10:27","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/roth-ira-mi-traditional-ira-mi\/"},"modified":"2026-10-03T15:10:27","modified_gmt":"2026-10-03T14:10:27","slug":"roth-ira-mi-traditional-ira-mi","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/roth-ira-mi-traditional-ira-mi\/","title":{"rendered":"Roth IRA m\u0131, Traditional IRA m\u0131? 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 ve Traditional IRA B\u00fcy\u00fcmesini Kar\u015f\u0131la\u015ft\u0131r\u0131n<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"699\" data-favorite-title=\"Roth IRA m\u0131, Traditional IRA m\u0131?\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/roth-ira-mi-traditional-ira-mi\/\" data-favorite-excerpt=\"Bir Roth IRA ile bir Traditional IRA&#039;n\u0131n vergi sonras\u0131 gelecekteki de\u011ferini kar\u015f\u0131la\u015ft\u0131r\u0131n. Hangi hesab\u0131n size daha fazla kazand\u0131raca\u011f\u0131n\u0131 g\u00f6rmek i\u00e7in y\u0131ll\u0131k katk\u0131 pay\u0131n\u0131z\u0131, emeklili\u011fe kalan y\u0131l say\u0131s\u0131n\u0131, beklenen getiri oran\u0131n\u0131 ve emeklilik vergi oran\u0131n\u0131z\u0131 girin.\" 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-mi-traditional-ira-mi\/\" method=\"POST\" class=\"calculator\" id=\"calculator-699\" data-post=\"699\"><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<\/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\" 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\">Y\u0131ll\u0131k IRA katk\u0131 pay\u0131 tutar\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-2\"><label for=\"field-2\">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=\"yl_says\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" value=\"30\"\/><div class=\"unit\" id=\"calc-unit-2\">y\u0131l<\/div><small id=\"calc-info-2\">Emeklili\u011fe kalan y\u0131l say\u0131s\u0131<\/small><\/div><div class=\"field has-term\" id=\"input-3\"><label for=\"field-3\">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-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"7\"\/><div class=\"unit\" id=\"calc-unit-3\">%<\/div><small id=\"calc-info-3\">Yat\u0131r\u0131mlardan tahmini ortalama getiri<\/small><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">\u00c7ekim S\u0131ras\u0131ndaki Vergi Oran\u0131 (Geleneksel IRA)<\/label><input type=\"text\" name=\"ekim_srasndaki_vergi_oran_geleneksel_ira\" id=\"field-4\" aria-describedby=\"calc-unit-4 calc-info-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"20\"\/><div class=\"unit\" id=\"calc-unit-4\">%<\/div><small id=\"calc-info-4\">Emeklilikte Geleneksel IRA i\u00e7in tahmini vergi oran\u0131<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"699\">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>Geleneksel IRA Son De\u011feri (Vergi Sonras\u0131)<\/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>Roth IRA Son De\u011feri (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>Hangisi Daha Fazla Kazand\u0131r\u0131yor?<\/span><\/span><span class=\"field-value\" id=\"result-3\"><\/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=\"699\" 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 ve Traditional IRA 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} \\\\\\ \\text{Traditional (vergi sonras\u0131)} = FV \\times (1 - t) \\\\\\ \\text{Roth} = FV \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Burada:<\/strong><\/p>\n<ul>\n<li>\\(P\\) \u2014 y\u0131ll\u0131k katk\u0131 pay\u0131 tutar\u0131 ($)<\/li>\n<li>\\(r\\) \u2014 ondal\u0131k olarak beklenen y\u0131ll\u0131k getiri (%7 = 0,07)<\/li>\n<li>\\(n\\) \u2014 emeklili\u011fe kalan y\u0131l say\u0131s\u0131<\/li>\n<li>\\(t\\) \u2014 emeklilikte para \u00e7ekme \u00fczerine beklenen vergi oran\u0131 (ondal\u0131k)<\/li>\n<li>\\(FV\\) \u2014 her t\u00fcrl\u00fc vergiden \u00f6nce, katk\u0131 paylar\u0131n\u0131n emeklilik an\u0131ndaki gelecekteki de\u011feri<\/li>\n<\/ul>\n<p>Form\u00fcl ayn\u0131 katk\u0131 paylar\u0131n\u0131 ve getirileri varsayd\u0131\u011f\u0131 i\u00e7in iki hesap da vergi \u00f6ncesi ayn\u0131 de\u011fere ula\u015f\u0131r. Fark tamamen vergilerden kaynaklan\u0131r: Traditional IRA bakiyesinin tamam\u0131 para \u00e7ekilirken vergilendirilirken, nitelikli Roth \u00e7ekimleri vergisizdir.<\/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 ve Traditional 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 pay\u0131 \u00f6d\u00fcyorsunuz, ortalama %7 y\u0131ll\u0131k getiri bekliyorsunuz ve emeklilikte %20 vergi oran\u0131 tahmin ediyorsunuz.<\/p>\n<p>\\[ FV = 6{,}000 \\times \\frac{(1 + 0.07)^{30} - 1}{0.07} = 6{,}000 \\times 94.4608 \\approx 566{,}765 \\]<\/p>\n<p>\\[ \\text{Traditional (vergi sonras\u0131)} = 566{,}765 \\times (1 - 0.20) \\approx 453{,}412 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> Roth IRA yakla\u015f\u0131k <strong>566.765 $<\/strong> de\u011ferinde ve tamamen vergisizken, Traditional IRA vergiler sonras\u0131 yakla\u015f\u0131k <strong>453.412 $<\/strong> b\u0131rak\u0131r. Bu girdilerle Roth IRA kabaca 113.353 $ daha fazla kazand\u0131r\u0131r.<\/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 Katk\u0131 Pay\u0131<\/strong>n\u0131z\u0131 girin \u2014 her y\u0131l IRA'ya koymay\u0131 planlad\u0131\u011f\u0131n\u0131z tutar (\u00f6rn. 6.000 $).<\/li>\n<li>Emekli olup para \u00e7ekmeye ba\u015flayana kadar ge\u00e7ecek <strong>Y\u0131l Say\u0131s\u0131<\/strong>n\u0131 girin.<\/li>\n<li><strong>Beklenen Y\u0131ll\u0131k Getiri<\/strong>yi y\u00fczde olarak girin \u2014 \u00e7e\u015fitlendirilmi\u015f hisse senedi portf\u00f6yleri i\u00e7in %6\u20138'lik uzun vadeli ortalama yayg\u0131nd\u0131r.<\/li>\n<li><strong>Para \u00c7ekim Vergi Oran\u0131 (Traditional IRA)<\/strong>n\u0131 girin \u2014 emeklilikteki \u00e7ekimler \u00fczerinde kar\u015f\u0131la\u015faca\u011f\u0131n\u0131z, federal ve eyalet vergilerinin toplam oran\u0131 i\u00e7in en iyi tahmininiz.<\/li>\n<li>Sonu\u00e7lar\u0131 okuyun: Traditional IRA'n\u0131n vergi sonras\u0131 de\u011feri, Roth IRA'n\u0131n vergisiz de\u011feri ve hangi se\u00e7ene\u011fin daha fazla kazand\u0131rd\u0131\u011f\u0131na dair bir h\u00fck\u00fcm.<\/li>\n<\/ol>\n<h2>Roth IRA m\u0131, Traditional IRA m\u0131: Fark Nedir?<\/h2>\n<p><strong>Traditional IRA<\/strong> ve <strong>Roth IRA<\/strong> ikisi de vergi avantaj\u0131 sunan emeklilik hesaplar\u0131d\u0131r; ancak paran\u0131z\u0131 z\u0131t u\u00e7larda vergilendirirler. Traditional IRA katk\u0131 paylar\u0131 bug\u00fcn genellikle vergiden d\u00fc\u015f\u00fclebilir ve b\u00fcy\u00fcme ertelenmi\u015f vergilidir \u2014 ama emeklilikteki her \u00e7ekim normal gelir olarak vergilendirilir. Roth IRA katk\u0131 paylar\u0131 vergi sonras\u0131 parayla yap\u0131l\u0131r ve kar\u015f\u0131l\u0131\u011f\u0131nda emeklilikteki nitelikli \u00e7ekimler, t\u00fcm yat\u0131r\u0131m b\u00fcy\u00fcmesi dahil, tamamen vergisizdir.<\/p>\n<p>\u0130ki hesap da vergiler \u00f6ncesi ayn\u0131 oranda b\u00fcy\u00fcd\u00fc\u011f\u00fc i\u00e7in belirleyici fakt\u00f6r, <em>bug\u00fcnk\u00fc<\/em> vergi oran\u0131n\u0131z ile emeklilikte beklenen vergi oran\u0131n\u0131z aras\u0131ndaki kar\u015f\u0131la\u015ft\u0131rmad\u0131r. Paray\u0131 \u00e7ekti\u011finizde daha y\u00fcksek bir vergi diliminde olmay\u0131 bekliyorsan\u0131z Roth genellikle kazan\u0131r. Emeklilikte daha d\u00fc\u015f\u00fck bir dilim bekliyorsan\u0131z \u2014 kazan\u00e7lar\u0131n\u0131n zirvesindeki y\u0131llar\u0131na yakla\u015fanlarda yayg\u0131n olan durum \u2014 Traditional IRA \u00e7o\u011fu zaman \u00f6ne ge\u00e7er.<\/p>\n<p>Bu hesaplama arac\u0131, bu \u00f6d\u00fcnle\u015fimin emeklilik taraf\u0131n\u0131 do\u011frudan ele al\u0131r. \u0130ki hesab\u0131 da ayn\u0131 gelecekteki de\u011fere b\u00fcy\u00fct\u00fcr ve ard\u0131ndan tahmin etti\u011finiz \u00e7ekim vergi oran\u0131n\u0131 yaln\u0131zca Traditional IRA'ya uygular; her iki hesaptan ger\u00e7ekte elinizde tutaca\u011f\u0131n\u0131z vergi sonras\u0131 tutar\u0131 g\u00f6sterir. E\u015fit dolar tutar\u0131nda katk\u0131 paylar\u0131n\u0131 kar\u015f\u0131la\u015ft\u0131rd\u0131\u011f\u0131na, Traditional IRA ile elde etti\u011finiz \u00f6n vergi indirimini ise modellemedi\u011fine dikkat edin; bu, a\u015fa\u011f\u0131daki s\u0131n\u0131rlamalar b\u00f6l\u00fcm\u00fcnde ele al\u0131nmaktad\u0131r.<\/p>\n<p>\"Roth IRA daha fazla kazand\u0131r\u0131r\" ya da \"Traditional IRA daha fazla kazand\u0131r\u0131r\" sonucu, para \u00e7ekim an\u0131nda yap\u0131lan do\u011frudan bir dolar kar\u015f\u0131la\u015ft\u0131rmas\u0131d\u0131r. K\u00fc\u00e7\u00fck bir fark (birka\u00e7 y\u00fczde) tek ba\u015f\u0131na karar\u0131n\u0131z\u0131 belirlememelidir; \u00e7\u00fcnk\u00fc ger\u00e7ek vergi oranlar\u0131 ve getiriler hi\u00e7bir zaman \u00f6nceden bilinemez. Daha geni\u015f bir tablo i\u00e7in bu arac\u0131, y\u0131ll\u0131k katk\u0131 limitlerini ve b\u00fcy\u00fcmeyi ayr\u0131nt\u0131l\u0131 g\u00f6rmek amac\u0131yla tam kapsaml\u0131 bir <a href=\"https:\/\/wpcalc.com\/tr\/finans\/emeklilik-planlayici\/\">Emeklilik Planlay\u0131c\u0131s\u0131<\/a> veya \u00f6zel <a href=\"https:\/\/wpcalc.com\/tr\/finans\/roth-ira-hesaplama\/\">Roth IRA hesaplama arac\u0131yla<\/a> birlikte kullan\u0131n.<\/p>\n<h2>Varsay\u0131mlar ve S\u0131n\u0131rlamalar<\/h2>\n<ul>\n<li><strong>E\u015fit katk\u0131 paylar\u0131 ve getiriler.<\/strong> Hesaplama arac\u0131, her iki hesaba da ayn\u0131 dolar tutar\u0131nda katk\u0131 yapt\u0131\u011f\u0131n\u0131z\u0131 ve ikisinin de ayn\u0131 ortalama getiri kazand\u0131\u011f\u0131n\u0131 varsayar. Ger\u00e7ekte, Traditional IRA'n\u0131n vergi indirimi size ayr\u0131ca yat\u0131rabilece\u011finiz nakit serbest b\u0131rak\u0131r; bu da fark\u0131 daraltabilir veya tersine \u00e7evirebilir.<\/li>\n<li><strong>Sabit vergi oran\u0131.<\/strong> Para \u00e7ekim an\u0131nda t\u00fcm Traditional IRA bakiyesine tek bir d\u00fcz vergi oran\u0131 uygulan\u0131r. Ger\u00e7ek emeklilik geliri ilerici (kademeli) olarak vergilendirilir ve oranlar zamanla de\u011fi\u015febilir.<\/li>\n<li><strong>Y\u0131l sonunda katk\u0131 paylar\u0131.<\/strong> Gelecekteki de\u011fer form\u00fcl\u00fc, y\u0131lda bir kez toplu katk\u0131 ve y\u0131ll\u0131k bile\u015fik faiz varsayar. Ayl\u0131k katk\u0131 paylar\u0131 biraz farkl\u0131 bir sonu\u00e7 \u00fcretirdi.<\/li>\n<li><strong>Katk\u0131 limitleri, cezalar veya zorunlu asgari da\u011f\u0131t\u0131mlar (RMD) yok.<\/strong> Ara\u00e7, IRS y\u0131ll\u0131k katk\u0131 limitlerini, erken \u00e7ekim cezalar\u0131n\u0131, Roth uygunluk gelir limitlerini ve zorunlu asgari da\u011f\u0131t\u0131mlar\u0131 yok sayar; bunlar \u015fu anda Traditional IRA'lara uygulan\u0131r ama Roth'lara uygulanmaz.<\/li>\n<li><strong>Vergi kurallar\u0131 de\u011fi\u015febilir.<\/strong> Vergi oranlar\u0131 ve emeklilik hesab\u0131 kurallar\u0131 yasalarla belirlenir ve emekli oldu\u011funuzda farkl\u0131 olabilir.<\/li>\n<\/ul>\n<h2>Pratik \u0130pu\u00e7lar\u0131<\/h2>\n<p>Sonucun ne kadar duyarl\u0131 oldu\u011funu g\u00f6rmek i\u00e7in hesaplama arac\u0131n\u0131 farkl\u0131 emeklilik vergi oranlar\u0131yla birka\u00e7 kez \u00e7al\u0131\u015ft\u0131r\u0131n \u2014 ba\u015faba\u015f noktas\u0131, emeklilik vergi oran\u0131n\u0131z\u0131n mevcut marjinal oran\u0131n\u0131za kabaca e\u015fit oldu\u011fu yerdir. Gelecekteki oran\u0131n\u0131z daha d\u00fc\u015f\u00fckse Traditional IRA e\u011filim gere\u011fi kazan\u0131r; daha y\u00fcksekse Roth kazan\u0131r.&lt;\/n<\/p>\n<p>Bir\u00e7ok tasarruf sahibi, belirsizli\u011fe kar\u015f\u0131 her iki hesap t\u00fcr\u00fcn\u00fc de tutarak emeklilikte vergilendirilebilir gelirlerini denetleme esnekli\u011fi kazan\u0131r. Yat\u0131r\u0131mlar\u0131n\u0131z\u0131n kendisinin nas\u0131l performans g\u00f6sterece\u011fini <a href=\"https:\/\/wpcalc.com\/tr\/finans\/yatirim-getirisi\/\">Yat\u0131r\u0131m Getirisi hesaplama arac\u0131yla<\/a> tahmin edebilir veya yinelenen yat\u0131r\u0131mlar\u0131n\u0131z\u0131 <a href=\"https:\/\/wpcalc.com\/tr\/finans\/aylik-yatirim-birikimi\/\">Ayl\u0131k Yat\u0131r\u0131m Tasarrufu hesaplama arac\u0131yla<\/a> planlayabilirsiniz. B\u00fcy\u00fck vergi veya emeklilik kararlar\u0131 i\u00e7in rakamlar\u0131 nitelikli bir finansal dan\u0131\u015fman veya vergi uzman\u0131yla teyit edin.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bir Roth IRA ile bir Traditional IRA'n\u0131n vergi sonras\u0131 gelecekteki de\u011ferini kar\u015f\u0131la\u015ft\u0131r\u0131n. Hangi hesab\u0131n size daha fazla kazand\u0131raca\u011f\u0131n\u0131 g\u00f6rmek i\u00e7in y\u0131ll\u0131k katk\u0131 pay\u0131n\u0131z\u0131, emeklili\u011fe kalan y\u0131l say\u0131s\u0131n\u0131, beklenen getiri oran\u0131n\u0131 ve emeklilik vergi oran\u0131n\u0131z\u0131 girin.<\/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-699","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\/699","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=699"}],"version-history":[{"count":3,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/699\/revisions"}],"predecessor-version":[{"id":3325,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/699\/revisions\/3325"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=699"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=699"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=699"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}