Roth IRA Conversion Calculator

Roth IRA Conversion Calculator

Estimate your net worth at retirement if you convert to a Roth IRA.

What This Number Means

Your projected outcome is only one part of the decision. Before you convert, consider:

  • How converting changes your net worth at retirement

  • The tax cost of converting in the current year

  • Whether tax-free future growth outweighs the upfront tax

  • How your current versus future tax bracket affects the math

  • Whether a partial conversion strategy makes more sense

How to Use This Calculator

1

Enter your Traditional IRA balance: Input the amount you're considering converting.

2

Add your tax rates: Enter your current tax rate and your expected rate in retirement.

3

Set your time horizon: Enter the number of years until retirement.

4

Review the projected outcome: See your estimated net worth at retirement with and without the conversion.

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