IRA Conversion Calculator

Converting a Traditional IRA to a Roth IRA is a big decision. If done correctly, it can lead to a more tax efficient portfolio. But it often means paying taxes today, and that isn’t always the optimal strategy.

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.

Download this tool as a spreadsheet >>

Share This Tool

You are free to use this tool on your website. Simply copy and paste the HTML code below. You must include attribution and links to

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