Roth Conversion Calculator
Analyze converting your Traditional IRA to a Roth IRA. See how paying taxes now at your current rate compares to deferring taxes until retirement. Compare no conversion, full conversion, and annual partial conversions side by side.
How Roth Conversions Work
A Roth conversion moves pre-tax Traditional IRA assets into a after-tax Roth IRA. You pay income tax on the converted amount today, but the money then grows tax-free and can be withdrawn without tax in retirement. This strategy is most beneficial when you expect to be in a higher tax bracket in retirement or when current tax rates are temporarily low.
Roth Conversion Calculator — Traditional IRA to Roth IRA Analysis
Free Roth Conversion calculator for US investors. Compare Traditional IRA vs Roth IRA after-tax values. Analyze annual partial conversion strategies, tax costs, and break-even years.
IRA Growth Over Time — Annual Conversion
Chart shows Traditional IRA and Roth IRA balances under annual partial conversion at 7% return.