Roth Conversion Analyzer

🇺🇸 US-specific

Determine whether converting a Traditional IRA to a Roth makes financial sense.

Read the guide: Retirement Planning

Conversion Amount

Tax Brackets

Current Tax (%)

Future Tax (%)

Years to Withdraw

Expected Return (%)

Pay conversion taxes from outside savings

If unchecked, taxes are withheld from the IRA, reducing the amount that grows in the Roth.

Verdict after 20 years

Converting to Roth leaves you US$20,644 richer.

Break-even: Roth pulls ahead in year 1.

Traditional (after tax)

US$172,840

After 32% tax on withdrawal, plus the invested tax savings.

Roth (after tax)

US$193,484

Tax-free in retirement.

After-Tax Value at Withdrawal

Roth
Traditional

Roth tends to win when your future tax rate exceeds today's, or when you pay the conversion tax from outside funds. This model uses flat tax rates and ignores RMDs and state taxes.