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Tax
Roth Conversion Calculator
Compare keeping pre-tax IRA funds vs. annual Roth conversions across taxes, ending balances, and the conversion-path benefit.
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How to use
- Enter your age, pre-tax IRA balance, and planned annual conversion amount.
- Set your federal and state effective tax rates for the conversion.
- Pick an allocation and a projection horizon; tweak returns and inflation as needed.
- Compare the no-conversion baseline to the conversion path on the chart and table.
Assumptions & disclaimer
These calculators are educational. They use simplified models and the inputs you provide. Results are estimates and not personalized financial, tax, investment, or legal advice. Tax law, market behavior, and personal circumstances change — verify any assumption before acting on it, and consider working with a qualified professional for decisions that matter.
- Blended nominal return = equity% * equity return + (1 − equity%) * fixed return; rebalanced annually.
- Taxes are applied to the conversion amount at the combined federal + state effective rate you provide; bracket creep is not modeled.
- The no-conversion baseline grows the pre-tax IRA at the same blended return with no withdrawals during the projection.
- Future tax law changes, RMDs, Medicare IRMAA, and Social Security taxation are not modeled.