🔁

Roth Conversion Calculator

Convert traditional IRA to Roth — see the tax cost vs lifetime tax savings.

Amount to Convert

Current Tax Bracket

Years Until Withdrawal

Expected Annual Return %

Future (Retirement) Tax Bracket

If higher than now → conversion saves money. If lower → keep traditional.

Conversion wins

$54,176

Tax due now$12,000

Roth FV$193,484

Trad after-tax FV$139,309

Conversion wins when future bracket ≥ current. Pay the conversion tax with outside money to maximize Roth growth. Watch for IRMAA Medicare premium spike if you convert too much.