Roth Conversion Calculator

See a side-by-side illustration of what converting a traditional IRA or 401(k) to a Roth could mean for your tax-free income later — versus leaving it as-is. This is a simplified illustration to help you start the conversation, not a tax projection.

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Your current age

Age you'll start using this money

Amount you're considering converting

Your tax bracket today

Expected tax bracket in retirement

Expected annual growth rate

I'd pay the conversion taxes from other (non-retirement) funds

Estimated Tax Cost Today

Years of Growth

Illustrative Value at Withdrawal

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This calculator provides a simplified, hypothetical illustration for educational purposes only. It does not account for state taxes, IRMAA, RMDs, multi-year conversion strategies, or your complete financial picture, and it is not tax, legal, or investment advice. Actual results will vary. Please consult a qualified tax professional and speak with Roots & Wealth Group before making any conversion decision.