Pay tax on your Traditional IRA today to enjoy tax-free growth and withdrawals later. This calculator shows if the trade-off pays off.
Directly compares converting today vs keeping the account traditional.
Compounds your balance at your expected return until retirement.
A positive Roth advantage means converting pays off at your assumed tax rates.
Run through a typical scenario with the sample values below — hit See an example to load them instantly.
| Input | Sample value |
|---|---|
| Traditional IRA Balance ($) | 100000 |
| Amount to Convert ($) | 50000 |
| Current Tax Rate (%) | 24 |
| Years Until Retirement | 20 |
| Annual Return (%) | 7 |
| Tax Rate in Retirement (%) | 22 |
Follow the steps below to get accurate results.
Traditional IRA Balance ($) · e.g. 100000Amount to Convert ($) · e.g. 50000Current Tax Rate (%) · e.g. 24Years Until Retirement · e.g. 20Annual Return (%) · e.g. 7Tax Rate in Retirement (%) · e.g. 22Pay tax on your Traditional IRA today to enjoy tax-free growth and withdrawals later. This calculator shows if the trade-off pays off.
Roth Conversion Calculator is an interactive estimate built for quick planning. Always double-check the numbers that matter before acting on them, and reach out to a professional for personalized advice.
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Simply fill in the fields and press Calculate. Pay tax on your Traditional IRA today to enjoy tax-free growth and withdrawals later. This calculator shows if the trade-off pays off.
Just the basics — Traditional IRA Balance ($) and Amount to Convert ($) and Current Tax Rate (%), plus a few simple inputs. No account or signup is required; everything runs in your browser.
Yes — completely free, with no login, no watermarks and no limits. Bookmark it and share the URL with anyone who needs it.
The calculator uses current, standard formulas to produce an educational estimate. Real-world figures can vary based on your specific situation, so treat it as a planning aid rather than a final answer.
Absolutely. The tool is fully responsive and works smoothly on mobile, tablet and desktop browsers.
The result is an estimate for educational purposes only and is not financial, legal or tax advice. Consult a qualified professional before making important decisions.