Roth Conversion Calculator
Analyze the tax impact of converting your traditional IRA to Roth and find your optimal conversion amount.
Conversion Details
Tax Information
W-2, 1099, business income, etc.
Account Balances
Amount to convert this year
Assumptions
Spread conversion over multiple years
These are sample values to show how Roth conversion analysis works. Enter your income, balances, and filing status for personalized results. How is this calculated?
Immediate Tax Cost
$12,805
Net Benefit at Retirement
+$29,762
Conversion looks beneficial
Converting $50,000 at your 22% marginal rate costs $12,805 in taxes today. By retirement, this saves you $29,762 compared to paying taxes later at your expected 22% rate. Even at the same tax rate, converting now locks in today's rate and lets your money grow tax-free in a Roth — no RMDs, no future tax surprises.
After-Tax Value: Convert vs. Don't Convert
Tax Impact
How the conversion amount affects your current tax bill.
AI Insights
3 free 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