Roth Conversion Calculator
What is your conversion actually worth?
Where the conversion taxes come from changes the math significantly. Model both scenarios to see the true value of converting — and what waiting costs you in either case.
Net lifetime wealth advantage of converting
What a real analysis also covers
The growth math is only part of the picture. A complete conversion strategy requires coordinating several factors this calculator cannot model without your full income picture.
- Medicare premium surcharges (IRMAA) triggered by conversion income
- How conversions interact with the Social Security taxation threshold
- Bracket optimization — converting to the top of a bracket, not over it
- The surviving spouse’s compressed single-filer brackets
- RMD reduction — a smaller pre-tax balance means lower forced distributions at 73
- State income taxes on conversion-year income
Important: This calculator is provided for educational and illustrative purposes only. It models projected wealth outcomes using a fixed assumed return and the figures you enter. It is not financial, tax, legal, or investment advice, and it is not a projection, prediction, or guarantee of future results. The “outside funds” scenario assumes conversion taxes are paid from non-IRA assets; those funds are modeled earning an after-tax return equal to the assumed return multiplied by one minus the entered tax rate — a simplification. The “within the IRA” scenario illustrates the growing conversion tax cost from delay; at equal current and future tax rates, the direct wealth comparison between converting from within and not converting is approximately break-even. All rates are illustrative; future tax rates may differ. This illustration does not account for IRMAA, state taxes, Social Security taxation thresholds, RMDs, filing status, or phaseout rules. A Roth conversion has immediate and irreversible tax consequences. Consult a qualified tax professional before taking action. Keep It Simple Financial Planning, LLC is a registered investment adviser; this tool does not reflect the performance of any KIS strategy, account, or recommendation.