Traditional IRA to Roth IRA Conversion Calculator

This IRA calculator that will help you to compare the estimated consequences of keeping your Traditional IRA compared to converting to a Roth IRA.

Assumptions: This IRA calculator assumes you will keep your Roth IRA for at least 5-years and you won't withdraw any funds until age 59-1/2. The calculator also assumes your return on investment remains constant and that you will remain in the indicated federal tax bracket for each period (conversion may or may not push you into a higher tax bracket for the year of conversion). Finally, the calculator does not account for any state taxes or AMT (Alternative Minimum Tax). All results are hypothetical, so be sure to consult a qualified tax professional before making any decisions regarding your existing IRA.

Current Age:
Retirement Age:
Number of Years to Receive Income:
Pre-Retirement Rate of Return on Investments (% before tax):
Post-Retirement Rate of Return on Investments (% before tax):
Current Federal Income Tax Bracket (%):
Federal Income Tax Bracket During Retirement (%):
Current IRA Balance:
Non-Deductable (Pre-Taxed) Portion of Current IRA Balance:
Conversion Tax Will Be Paid From:
At Conversion Traditional IRA Roth IRA
Current Deductible Portion of IRA:
Non-Deductible Portion of Current IRA:
Forgone Investment Amount Used to Pay Conversion Tax:
Conversion Amount:
Conversion Tax Paid from IRA:
Comparison Balance:
At Retirement Age Traditional IRA Roth IRA
Estimated Deductible Portion of Balance:
Estimated Non-Deductible Portion of Balance:
Estimated Forgone Investment Value:
Estimated Roth IRA Balance:
Estimated Value at Retirement:
During Retirement Traditional IRA Roth IRA
Annual After-Tax Income from Deductible Portion:
Annual After-Tax Income from Non-Deductible Portion:
Annual Forgone Investment Income:
Annual Roth IRA Income:
Comparison Totals Traditional IRA Roth IRA
Total Annual After-Tax Income:
Total Monthly After-Tax Income:

Traditional IRA to Roth IRA Conversion Calculator

This Roth IRA calculator will show you what happens when your take a traditional IRA and convert it into a Roth IRA.

Disclaimer: This IRA calculator is for planning purposes only and does not constitute an investment offer. The output of this retirement calculator may vary from your actual retirement plan and income due to changes in the amount invested, withdrawals, fees, and changes in interest rates.