Roth Conversion Calculator
Estimate the tax cost and break-even time for converting traditional IRA/401(k) funds to a Roth, including the pro-rata rule check.
FINANCEEstimate the tax cost and break-even time for converting traditional IRA/401(k) funds to a Roth, including the pro-rata rule check.
Detailed instructions, formula notes, and US-context guidance shown in the calculator above.
Roth Conversion Calculator
Should you convert Traditional IRA/401(k) to Roth? Pay tax now at known rate; future growth + withdrawals are tax-free. Wins if your future tax rate is higher than your current rate.
Conversion is taxable in the year it happens. Pay tax from outside funds (not the IRA itself) for max benefit. Pro-rata rule applies if you have other pre-tax IRA assets — backdoor Roth contributors must zero out their traditional IRA first.