Roth Conversion Calculator
Should you convert your traditional IRA to a Roth? This calculator shows the tax cost of converting — and whether the long-term tax-free growth makes it worth it.
Roth vs Traditional IRA Calculator
Compare after tax retirement account values
Traditional IRA Path
Roth IRA Path
Traditional: contribute pre tax dollars, pay income tax on withdrawals. Roth: contribute after tax dollars, withdrawals are tax free. If your tax bracket drops in retirement, Traditional wins. If it stays the same or rises, Roth wins. Consider also Roth 401(k) and backdoor Roth options for higher earners.
Frequently Asked Questions
How much tax do I pay on a Roth conversion?+
The converted amount is added to your taxable income for the year. Example: converting $50,000 while in the 22% bracket = $11,000 in additional federal tax. If it pushes you into the 32% bracket, part is taxed at 32%. Plan conversions to stay within a target bracket.
When does a Roth conversion make sense?+
Best when: (1) You're in a lower tax bracket now than you expect in retirement. (2) You have years with low income (job loss, sabbatical, early retirement). (3) You want to avoid RMDs. (4) You want tax-free inheritance for heirs. The break-even point is typically 7-10 years.
Can I do a partial Roth conversion?+
Yes. You can convert any amount — you don't have to convert everything. Many people do partial conversions over several years to manage their tax bracket. This is especially useful if you're near a bracket boundary. Convert just enough to fill up your current bracket.
How much tax do I pay on a Roth conversion?
The converted amount is added to your taxable income for the year. Example: converting $50,000 while in the 22% bracket = $11,000 in additional federal tax. If it pushes you into the 32% bracket, part is taxed at 32%. Plan conversions to stay within a target bracket.