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

Roth IRA Calculator

Estimates how much your Roth IRA will be worth at retirement based on your current balance, monthly contributions, time horizon, and expected annual return. Use it when planning tax-free retirement income.

Monthly Contribution ($)

Current Balance ($)

Years to Grow (years)

Expected Annual Return (%)

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

	Roth IRA Calculator	Roth IRA Conversion Calculator
Category	Retirement	Retirement
Inputs required	4	5
Result	Roth IRA Balance at Retirement ($)	Net Roth Conversion Benefit ($)
What it does	Estimates how much your Roth IRA will be worth at retirement based on your current balance, monthly contributions, time horizon, and expected annual return. Use it when planning tax-free retirement income.	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.