Updated 2026-03-30

Roth Conversion Calculator

Calculate the tax cost, breakeven timeline, and whether converting to Roth saves you money

A Roth conversion moves money from a Traditional 401(k) or IRA to a Roth account. You pay income tax now in exchange for tax-free growth and withdrawals later. The key question is whether the upfront tax cost pays off over time.

When Conversions Work Best

Low-income years: Early retirement, between jobs, or large deduction years
Long time horizon: More years for tax-free growth to compound
Rising tax rates: Pay lower rates now vs higher rates in retirement

Pavlo Pyskunov

Managing Director & Investment Fund Director

Pavlo Pyskunov analyzes employer-sponsored retirement plans using IRS publications and DOL Form 5500 filings, helping workers maximize their 401(k) savings through data-driven guidance.

Last updated: 2026-03-30