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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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.