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Should you convert to Roth?

Model your conversion against current and future tax brackets. See the lifetime dollar impact before you decide.

Roth Conversion Analyzer
Pay taxes now vs. pay taxes later — which wins?
Enter your conversion amount, current bracket, and expected future bracket to see the lifetime tax impact side by side.
Current Pre-Tax Retirement Balance
Total in traditional IRA, 401(k), etc.
$
Amount to Convert This Year
You can convert a portion — doesn't have to be all of it
$
Current Federal Tax Bracket
Your marginal rate this year
Expected Future Tax Bracket
Your rate when you withdraw in retirement
Current Age
Years Until Withdrawal
When you expect to start drawing on this money
Expected Annual Return
$0
Tax Cost Today
$0
Roth (After-Tax)
$0
Traditional (After-Tax)
$0
Lifetime Roth Advantage
TimelineRoth ValueTraditional (After-Tax)Difference
Roth conversion timing is one of the highest-impact decisions in retirement planning. A 30-minute call can confirm whether now is the right window.
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