Roth Conversion Calculator

Analyze the benefits of converting traditional IRA funds to Roth, considering current vs future tax brackets, RMDs, and Medicare IRMAA thresholds

Understanding Roth Conversions

Converting traditional IRA funds to a Roth IRA means paying taxes now on the converted amount, but all future growth and withdrawals will be tax-free. This calculator helps you analyze whether converting makes sense by comparing the tax cost today versus the tax savings in retirement, while considering Required Minimum Distributions (RMDs) and Medicare IRMAA surcharges.

Personal Information

Current Age

Retirement Age (leave blank if already retired) Leave blank if you're already retired

Life Expectancy

Filing Status

Financial Situation

Traditional IRA/401(k) Balance ($) Current balance in traditional retirement accounts

Current Roth IRA Balance ($) Current balance in Roth accounts

Current Annual Gross Income ($) Wages, pensions, etc. (before standard deduction)

Expected Retirement Income ($) Annual income excluding RMDs

Conversion Strategy

Annual Conversion Amount ($) Amount to convert each year

Number of Years to Convert How many years to spread conversions

Assumptions

Expected Annual Investment Return (%) Expected portfolio growth rate

Expected Annual Inflation Rate (%) For adjusting brackets over time

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