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Roth IRA Conversion Analyzer

Roth Conversion Analyzer

If you already have a traditional IRA or a qualified employer-sponsored plan, such as a 401(k) plan, you may qualify to convert it to a Roth IRA. Depending upon your personal financial situation, a Roth IRA conversion could potentially provide a tax-adjusted benefit over time, provided you meet the eligibility requirements. Whether you would be better off leaving your funds in your current plan or moving all or some of the savings to a new Roth IRA will depend primarily on your tax bracket before and during retirement.

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 or employer-sponsored plan?

$

How much of your account balance is composed of non-deductible (i.e., post-tax) 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?