Free calculator

Roth Conversion Calculator

Roth conversions let you pay tax now in exchange for tax-free growth. This calculator estimates the tax bill and break-even horizon.

Amount to convert

Current marginal tax rate

Future marginal tax rate (retirement)

Expected annual growth rate

Years until withdrawal

yrs

Tax to pay now

$11,000

Future value (gross)

$271,372

Traditional after-tax

$184,533

Roth after-tax

$271,372

Projected Roth advantage

$75,839

After-tax principal kept

$39,000

This calculator provides general projections only and is not individualized tax or legal advice. Consult a qualified CPA for your specific situation.