Roth IRA Conversion Calculator

Analyze whether converting your traditional IRA to a Roth IRA makes sense for your situation. Compare scenarios and find your optimal conversion strategy.

Account Balances
Personal Information
Income & Tax Rates

Social Security, pensions, other income (excluding IRA withdrawals)

Current Marginal Rate:22%
Retirement Marginal Rate:22%
Rate Difference:0%
Conversion Strategy

Room in current bracket: $80,250

5 yr
6%

Better strategy if possible

Conversion Summary
Total to Convert:$250,000
Estimated Tax:$67,500
Retirement Withdrawals
Model your actual spending in retirement

How much you'll withdraw each year in retirement

Withdraw from Traditional IRA first, then Roth. Minimizes early Roth use.

Required Minimum Distributions at age 73+

Retirement Summary
Years in Retirement:25 years
Total Withdrawals Needed:$2,000,000
Advanced Options
Convert Now

Potential Benefit: $146,902

Break-even in approximately 17 years (age 72)

Conversion Tax Rate
27.0%
Federal 22% + State 5%
Total Lifetime Taxes
No Conv:$257,163
With Conv:$177,760

✓ Save $79,402

Lifetime Spendable
No Conv:$1,382,339
With Conv:$1,529,242

✓ $146,902 more

Legacy Value
No Conv:$0
With Conv:$0

Remaining at age 90

Break-Even
17 yrs

Age 72

Years until cumulative after-tax income from conversion exceeds no-conversion scenario

After-Tax Portfolio Value Over Time
Comparing after-tax portfolio value (Traditional taxed at withdrawal, Roth tax-free)
Without Conversion (Age 90)
Traditional IRA:$0
Roth IRA:$0
Total Taxes Paid:-$257,163
Total Spent:$1,382,339
Legacy:$0
With Conversion (Age 90)
Traditional IRA:$0
Roth IRA:$0
Total Taxes Paid:-$177,760
Total Spent:$1,529,242
Legacy:$0