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