Roth Conversion Calculator

Convert to a Roth now and pay tax today, or leave it traditional and pay tax later. See which wins.

Amount to convert ($)Balance you'd move to a Roth Tax rate now (%)Your bracket this year Tax rate in retirement (%)Your expected bracket when you withdraw Annual return (%)Growth rate, often 5-7 Years until withdrawalHow long it grows

Tax to convert now
Roth value at withdrawal
Traditional value after later tax
Roth advantage

Educational estimate only, not tax advice. Ignores paying tax from outside funds, state tax, IRMAA, and RMD effects.

How it works

Converting to a Roth means paying income tax on the amount now, but all future growth and withdrawals come out tax-free. Leaving it traditional lets the full balance grow, but every dollar is taxed when you withdraw. This assumes you pay the conversion tax from the converted balance and compares the two after growth — Roth usually wins when your tax rate is the same or higher in retirement.

All retirement calculators

Social Security Taxation → Guide: How SS Is Taxed → Net Worth → 401(k) Growth → Traditional IRA → 72(t) SEPP → FIRE Number → Guide: Tax on 401(k) Withdrawal → Guide: When Should You Retire → Fixed Annuity → Deferred Annuity → Annuity vs CD → Guide: Immediate Annuity Income → Guide: Should You Take a Buyout → Guide: SS Spousal Benefits → Guide: Pension COLA Raises → Guide: How Much to Retire → Guide: How a Lump Sum Is Calculated → Guide: Lump Sum vs Monthly → Guide: How to Calculate Your RMD → Guide: Early Withdrawal Penalty → Pension Lump Sum Tax → Interest Rate Impact on Lump Sum → Early Retirement Reduction → Inherited IRA (10-Year Rule) → TSP (Thrift Savings Plan) → Cash Balance Pension → QDRO / Divorce Pension Value → Pension Lump Sum vs Monthly → Pension Buyout / Commuted Value → Pension Survivor Benefit → Pension COLA → Immediate Annuity Payout → Annuity vs Lump Sum → Annuity Present Value → How Long Savings Last → Withdrawal Rate → How Much to Retire → Income Gap → Inflation Impact → Social Security Break-Even → RMD (Required Minimum Distribution) → Social Security Spousal Benefit → Pension vs 401(k) Rollover → Early Withdrawal Penalty → Pension Maximization → 403(b) Retirement Calculator → 457(b) Retirement Calculator → Rule of 55 Calculator → Backdoor Roth IRA Calculator → Social Security Claiming Age Optimizer → Federal Pension (FERS) Calculator → Net Unrealized Appreciation (NUA) →