Roth IRA Conversion Analyzer

Roth Conversion Analyzer
If you already have a traditional IRA and you meet the IRS eligibility requirements, you may qualify to convert it to a Roth IRA. A Roth IRA could provide you with a better tax-adjusted benefit than a traditional IRA, depending on your personal financial situation. Whether you would be better off leaving your funds in a traditional IRA or moving all or some of the savings to a new Roth IRA will depend primarily on your tax bracket before and during retirement.

This calculator assumes that your conversion takes place in 2010, when special rules apply.

To find out if a Roth conversion would work for you, answer the questions below, then click Submit.

What is your current age?
  1. 14
  2. 35
  3. 56
  4. 78
  5. 99

Value:  

At what age do you expect to begin taking distributions from your IRA?
  1. 59
  2. 62
  3. 65
  4. 68
  5. 71

Value:  

For how many years do you expect to take distributions?
  1. 1
  2. 13
  3. 26
  4. 38
  5. 50

Value:  

What is the current balance of your traditional IRA?

 $

How much of your traditional IRA balance is comprised of nondeductible contributions?

 $

What will your presumed federal income tax rate be during the year of conversion?

What do you expect your federal income tax rate to be once you begin taking distributions?

Which annual rate of return do you expect to earn on your IRA investments until retirement?

Which annual rate of return do you expect to earn on your IRA investments after retirement?
  

This calculator is intended to serve as an informational tool only, and should not be construed as legal, investment or tax advice. Please consult with a tax advisor or an investment professional about your unique circumstances.

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Asset allocation does not guarantee overall profit or protect against loss in declining markets.