Roth vs. Traditional Conversion Estimator

Model the tax cost and long-term advantage of converting a traditional IRA or 401(k) to Roth. Calculates breakeven age, bracket impact, and net lifetime after-tax value: entirely in your browser.

Roth Conversion Tax Planning Zero PII Client-Side

Scope & reliance — 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. Runs entirely in your browser for modeling and educational purposes. Tax rates and thresholds are static reference values: verify against current IRS publications and consult a qualified tax advisor before making any conversion decisions. Deterministic logic · no inference · zero PII · runs offline · CC BY 4.0.

Related journey on ApexLogics, the sister suite for personal and career decisions: Roth Conversion Window Calculator and IRMAA Bracket Calculator.

Also on AINumbers: Roth vs Traditional IRA Estimator compares contributing to each account type. This page models converting existing traditional funds to Roth.

Configuration

Current age

Retirement age

Years to retirement: 25

Current traditional balance ($)

Conversion amount this year ($)

Current marginal tax rate

Expected retirement marginal tax rate

Expected annual return (%)

State income tax rate (%)

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Configure inputs and click Analyse Conversion