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Roth IRA Conversion Calculator

Calculates the after-tax future value of converting a traditional IRA to a Roth IRA versus keeping it as-is. Use it when evaluating whether a conversion makes sense given your current and expected future tax rates.

Amount to Convert ($)

Current Tax Bracket

Expected Retirement Tax Bracket

Years Until Retirement (years)

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	4	6
Result	Net Benefit of Conversion ($)	Tax-Free Retirement Balance ($)
What it does	Calculates the after-tax future value of converting a traditional IRA to a Roth IRA versus keeping it as-is. Use it when evaluating whether a conversion makes sense given your current and expected future tax rates.	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.