Roth Conversion Analyzer
Estimate the potential long-term tax impact of converting your traditional IRA or 401(k) to a Roth. Results are hypothetical.
Enter Your Details
Your age today. Conversions can happen at any age, but early conversions have longer to grow.
Total balance in traditional accounts you're considering converting to Roth.
The amount you'll convert each year. You can spread larger conversions over multiple years.
Number of years to complete all conversions. Spreading reduces annual tax impact.
Your tax bracket while working. Conversions are taxed at this rate.
Your expected tax bracket in retirement. Lower bracket makes conversions more valuable.
Expected annual investment returns. Higher returns increase the benefit of Roth conversions.
How many years until you retire. Longer horizons allow more tax-free growth.
Your Results
⚠️ Important Note: Large Roth conversions may trigger Medicare IRMAA (Income-Related Monthly Adjustment Amount) surcharges. Consult with a tax advisor about the Modified Adjusted Gross Income (MAGI) impact of conversions.
No Conversion (Traditional)
Convert to Roth
After-Tax Wealth Comparison
Year-by-Year Projection (Through Age 90)
| Age | Year | Trad. Balance (No Conv.) | Roth Balance (Conv.) | Trad. Remnant (Conv.) | Annual Tax (Conv.) | Cumulative Tax (Conv.) |
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