Traditional-To-Roth IRA Conversion Tool
Compare Scenarios
See expected future after-tax values for two different scenarios: converting to a Roth IRA and staying in a Traditional IRA.
Backdoor Roth
For some investors, converting today opens up the option of a "Backdoor Roth" contribution in the future.
Beware Taxes
Converting to a Roth IRA will likely be a taxable event. Make sure you understand what you'd owe today.
How To Use This Calculator
- This calculator will calculate the expected future after tax values of your IRA in two scenarios: one where you convert to a Roth today and one where you don't.
- You must enter your expected returns, tax rates, time horizon, and other assumptions.
- This calculator makes several simplifying assumptions: that you make all your withdrawals and pay all your taxes in retirement at once, that Roth IRAs won't become taxable in the future, etc. You can download the spreadsheet version of this tool here to see all the calculations.
Related Resources
Ultimate Guide To Backdoor Roth (PDF)
Basics Of The Backdoor Roth (Video)
TFI Podcast: Backdoor Roth 101
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