🔄 Calculator

Roth Conversion Calculator

Converting a Traditional IRA or 401(k) to Roth means paying taxes now in exchange for tax-free growth forever. Find out what the conversion costs — and whether it's worth it.

Conversion Details

Amount to Convert

You can convert a partial amount — you don't have to convert all at once.

Other Taxable Income This Year

The conversion is added on top of your regular income.

Filing Status

State Income Tax Rate

Enter 0 if your state has no income tax.

Years Until Retirement

15 years

Expected Annual Return

Expected Tax Rate at Withdrawal (future) If you expect higher taxes in retirement (or tax rates to rise), Roth wins.

Conversion Analysis

💳 Tax Bill This Year

—

🌱 Roth Value at Retirement

—

100% tax-free

Marginal federal rate on conversion —

Federal tax on conversion —

State tax on conversion —

Traditional IRA at retirement (taxed at future rate) —

Traditional after-tax at retirement —

Tax calculations use 2024 IRS brackets and assume standard deduction. Actual tax due depends on deductions, credits, AMT, and other factors. Pay conversion taxes from outside the IRA if possible to maximize the benefit. Consult a tax advisor before converting.