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Roth IRA Conversion Calculator

The Roth IRA Conversion Calculator can give you a general idea on whether it might be beneficial to convert an existing tax-deductible Traditional IRA to a new Roth IRA. Use our conversion calculator if all of the following apply to your situation:

- Your Adjusted Gross Income is $100,000 or less before conversion.

- You have non-IRA monies to pay the tax for conversion. (Note, if you use IRA monies to pay the tax and you are under age 59 1/2, the IRS imposes a penalty tax of 10%.)

- Your time horizon from conversion to taking distributions is greater than 10 years.
Existing tax-deductible IRA balance: *
$
Pre-Retirement Years:
Number of years before you expect to take distributions:

Expected Rate of Return:

Tax rate based on your Adjusted Gross Income:

%
Retirement Years:
Expected Tax Rate:

%
Expected Rate of Return:

Number of years you expect to take distributions**:

Calculate Clear
* Denotes a required field.

Note: The calculator is intended as a comparison tool only and is not intended as a substitute for tax or legal advice. Please consult your tax or legal advisor for further tax information.

*You can estimate the length of your retirement by subtracting your target age at retirement from your results from the Longevity Game. Use the number of estimated years of retirement as the Number of Years You Expect to Take Distributions.