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 Conversion Calculator
Estimate the tax cost of converting a traditional IRA to a Roth, and whether tax free growth makes it worth it
Converting now puts you ahead by roughly $28,969.83 by retirement, because you pay today's lower 25.0% rate instead of the expected 32.0% rate later.
Disclaimer: The converted amount is added to your taxable income in the conversion year and may push you into a higher bracket. This tool uses a flat marginal rate, ignores state taxes and NIIT, and simplifies the IRA sharing rules. A Roth also avoids RMDs and pairs well for heirs. Consult a tax professional before converting.
Advertisement
Smart Budget Planning for Your Business
Track every dollar of your business income and expenses with a dynamic Google Sheets budget planner. Automated insights, interactive dashboard, and full history tracking.
Affiliate link — we earn a commission at no cost to you. We only recommend products we trust.
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.
Related Free Calculators
Compound Interest Calculator
See how your money grows over time. This calculator shows the power of compound interest with monthly contributions, different compounding frequencies, and inflation adjustment.
Required Minimum Distribution Calculator
Turning 73? The IRS requires you to start withdrawing from retirement accounts. This calculator shows your exact RMD amount — and the penalties for getting it wrong.
401(k) Calculator
How much will your 401(k) be worth at retirement? This calculator shows growth with employer matching, contribution limits, and the real impact of starting early vs. late.
Investment Return Calculator
How much will your investments grow? This calculator shows compound growth with monthly contributions, comparing different return rates and time horizons.
Stock Portfolio Return Calculator
How is your stock portfolio performing? This calculator factors in contributions, dividends, capital gains, and taxes to show your real after-tax return.
ETF Fee Calculator
How much do ETF fees actually cost you over time? This calculator shows the drag of expense ratios and trading fees on your long-term returns — even small differences add up.