Roth IRA Conversion Calculator

关于Roth IRA Conversion Calculator计算器

The Roth IRA conversion calculator helps you evaluate whether converting a traditional IRA to a Roth IRA makes financial sense for your situation. It compares the tax cost of converting now against the potential tax-free growth and withdrawals later. This analysis is especially relevant during low-income years or before required minimum distributions begin.

使用方法

Enter the amount you are considering converting, your current marginal tax rate, expected tax rate in retirement, and the number of years until you plan to withdraw the funds. The calculator shows the after-tax value of converting versus leaving the money in the traditional IRA. Review both scenarios at your projected retirement tax rate. A conversion often pays off when your current tax rate is lower than your expected future rate or when you want to eliminate future required minimum distributions.