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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.

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 Conversion Calculator	Roth IRA Conversion Calculator
Category	Retirement	Retirement
Inputs required	4	5
Result	Net Benefit of Conversion ($)	Net Roth Conversion Benefit ($)
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.	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.