Free Calculator

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

Tax Cost Today

Roth (After-Tax)

Traditional (After-Tax)

$0
Lifetime Roth Advantage

Timeline	Roth Value	Traditional (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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