Roth Conversion Calculator

Optimize your Roth conversion strategy to minimize lifetime taxes and maximize retirement savings.

Personal Information

Enter your current age, retirement plans, and life expectancy

Current Age

Retirement Age

Life Expectancy

Tax Filing Status

Account Balances

Enter your current retirement account balances

Traditional IRA/401(k) Balance

Roth IRA/401(k) Balance

Income Information

Enter your current and expected retirement income

Current Annual Income

Expected Retirement Income (excluding Social Security)

Social Security Claiming Age

Annual Social Security Benefit

Financial Assumptions

Enter your assumptions for investment returns, inflation, and taxes

Expected Annual Return (%)

Inflation Rate (%)

State Income Tax Rate (%)

Consider Medicare IRMAA surcharges in calculations

Custom Conversion Strategy

Create your own custom Roth conversion strategy

Enable custom conversion strategy