Roth Conversion Calculator
Analyze the tax impact of converting your traditional IRA to Roth and find your optimal conversion amount.
Conversion Details
45
2575
65
5580
Tax Information
$
W-2, 1099, business income, etc.
%
%
Account Balances
$
$
$
Amount to convert this year
Assumptions
%
Multi-Year Conversion
Spread conversion over multiple years
Immediate Tax Cost
$13,150
Net Benefit at Retirement
+$29,417
Conversion looks beneficial
Converting $50,000 at your 22% marginal rate costs $13,150 in taxes today. By retirement, this saves you $29,417 compared to paying taxes later at your expected 22% rate.
After-Tax Value: Convert vs. Don't Convert
Tax Impact
How the conversion amount affects your current tax bill.
AI Insights
3 remaining todayGet personalized analysis of your financial scenario with actionable recommendations.
Understanding Roth Conversions
When Conversions Make Sense
- ✓Lower current tax rate — you expect a higher bracket in retirement
- ✓Long time horizon — more years of tax-free growth increase the benefit
- ✓Estate planning — Roth IRAs have no Required Minimum Distributions
- ✓Gap years — low-income years (early retirement, sabbatical) are ideal
Key Considerations
- ⚠Pay taxes from non-retirement funds
- ⚠Watch IRMAA thresholds if 63+
- ⚠Multi-year strategies stay in lower brackets
- ⚠Factor in your state tax rate