Roth Conversion Calculator

Analyze whether converting a Traditional IRA to a Roth IRA makes financial sense based on your current tax rate, expected retirement rate, and time horizon.

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Keep as Traditional
After-tax at withdrawal
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Convert to Roth
Tax-free at withdrawal
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Benefit of Converting
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Tax Cost to Convert Now
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When to Convert to Roth

A Roth conversion makes sense when your current tax rate is lower than your expected retirement rate, you have a long time horizon (10+ years for tax-free growth), you expect tax rates to increase, or you want to eliminate Required Minimum Distributions. The conversion amount is added to your taxable income for the year, so consider converting in chunks over multiple years to stay in a lower bracket. Check your bracket with our Tax Bracket Calculator. This calculator assumes conversion tax is paid from outside funds (ideal scenario). If you pay tax from the converted amount, the Roth benefit is reduced.

Frequently Asked Questions

Is Roth conversion taxable?
Yes — the converted amount is added to your ordinary income for the year. This can push you into a higher bracket, so consider partial conversions over multiple years.
When is the best time to convert?
Low-income years: between jobs, early retirement before Social Security, or in a down market when account values are lower (converting the same shares at a lower value means less tax).