Roth Conversion Calculator
Amount to convert
usd
Share of it that is pre-tax
percent
Deductible contributions and all the growth. A plain traditional IRA is 100%; only non-deductible contributions on Form 8606 lower it.
Your tax rate this year
percent
Marginal, including state. A large conversion can push part of itself into the next bracket — split it across years if it does.
Your tax rate at withdrawal
percent
Years until you withdraw
years
Annual return
percent
Pay the conversion tax from
Cash outside the IRA
The converted money itself
Paying from outside is what makes a conversion pay: every dollar of tax taken from the IRA is a dollar that stops compounding tax-free.
Capital gains rate on outside money
percent
Used for the fair comparison: if you do not convert, the cash you would have paid in tax stays invested in a taxable account.
What converting is worth
$2,038
Show the work
Roth Conversion Calculator
by Rule Calculator