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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.

Investing

Roth IRA Calculator

Project your Roth IRA's tax-free balance at retirement by combining your existing savings with years of annual contributions compounding at your expected return. Use it to see how much tax-free income you can generate after age 59½.

Current Age (years)

Retirement Age (years)

Current Roth IRA Balance ($)

Annual Contribution ($)

Expected Annual Return (%)

Income Level

Fill in the required fields to see your result.

Key differences

	Roth IRA Conversion Calculator	Roth IRA Calculator
Category	Retirement	Investing
Inputs required	5	6
Result	Net Roth Conversion Benefit ($)	Tax-Free Retirement Balance ($)
What it does	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.	Project your Roth IRA's tax-free balance at retirement by combining your existing savings with years of annual contributions compounding at your expected return. Use it to see how much tax-free income you can generate after age 59½.