RothCalc
Interactive Roth conversion planner with live charting. Move sliders; everything updates instantly.
Inputs
Current Age
Retirement Age
Analysis End Age
Starting Pre‑Tax Balance (401k / Traditional IRA)
Annual Contribution (until retirement)
Expected Annual Return
Tax Rate During Conversion
Approximate marginal rate while you convert (federal + state).
Tax Rate In Retirement
Estimated marginal tax rate on withdrawals later.
Conversion Start Age
Conversion Duration (years)
Tax Payment Source
Pay taxes with outside funds
Withhold taxes from conversion
The model converts only the existing pre‑tax starting balance. New contributions (if any) remain pre‑tax and are taxed later.
Reset to Defaults
Export Chart as PNG
After‑Tax Value Over Time
Compares three scenarios:
No Conversion
,
Immediate Conversion
, and
Staggered Conversion
based on your settings.
No‑Conversion (end value)
Immediate Conversion (tax now)
Staggered Conversion
Taxes Paid – Immediate
Taxes Paid – Staggered
Suggestion
Tip: Conversions are generally more attractive when your future tax rate is higher than your current rate and you can pay taxes with outside funds.
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