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Both calculators run independently — change the inputs on either side to compare results.

Retirement Tax Calculator

Estimate the federal income tax owed on your retirement income from 401(k) withdrawals, pensions, Social Security, and other sources. Helpful when projecting after-tax retirement cash flow.

Traditional 401(k)/IRA Withdrawals ($)

Social Security Benefits ($)

Pension Income ($)

Other Taxable Income ($)

Filing Status

Fill in the required fields to see your result.

Retirement

Roth IRA Conversion Calculator

Estimates the net long-term benefit of moving traditional IRA funds into a Roth IRA after accounting for taxes paid now versus taxes avoided later. Use it when evaluating whether a conversion makes sense in a low-income year.

Conversion Amount ($)

Current Tax Bracket

Expected Retirement Tax Bracket

Years to Retirement (years)

Expected Annual Return (%)

Fill in the required fields to see your result.

Key differences

	Retirement Tax Calculator	Roth IRA Conversion Calculator
Category	Retirement	Retirement
Inputs required	5	5
Result	Estimated Annual Federal Tax ($)	Net Roth Conversion Benefit ($)
What it does	Estimate the federal income tax owed on your retirement income from 401(k) withdrawals, pensions, Social Security, and other sources. Helpful when projecting after-tax retirement cash flow.	Estimates the net long-term benefit of moving traditional IRA funds into a Roth IRA after accounting for taxes paid now versus taxes avoided later. Use it when evaluating whether a conversion makes sense in a low-income year.