Roth IRA Conversion Calculator
Estimate the tax cost and long-term benefit of converting a Traditional IRA to a Roth IRA. Compare after-tax values at retirement.
Results
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Conversion Tax Cost
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Roth Value at Retirement
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Traditional Value at Retirement
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Roth After-Tax (tax-free)
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Traditional After-Tax
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Net Benefit of Converting
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Break-Even Years
How to Read These Results
- Conversion Tax Cost is the additional federal tax you would owe this year.
- Roth Value at Retirement grows tax-free and is yours to withdraw with no tax.
- Traditional After-Tax subtracts your expected retirement tax rate from the pre-tax balance.
- A positive Net Benefit means converting is projected to leave you with more money. It accounts for the opportunity cost of the tax paid now.
- Break-Even Years shows how long until the Roth advantage covers the upfront tax cost.
Frequently Asked Questions
What is a Roth IRA conversion?▾
A Roth conversion moves pre-tax money from a Traditional IRA to a Roth IRA. You pay income tax on the converted amount now, but future growth and withdrawals are tax-free.
When does a Roth conversion make sense?▾
Conversions are most beneficial when your current tax rate is lower than your expected rate in retirement, when you have a long time horizon for tax-free growth, or when you want to reduce future RMDs.
Can I convert just part of my Traditional IRA?▾
Yes. You can convert any amount in any year. Partial conversions let you control your tax bracket by converting only enough to fill up a lower bracket.
Is my financial data safe?▾
Yes. All calculations happen entirely in your browser. No data is ever sent to a server.