The Roth Conversion Tax Calculator compares converting a traditional balance to Roth with leaving it in a traditional account. It models conversion tax, future growth, retirement tax rate, return, and whether conversion taxes are paid from outside funds.
When taxes are paid from outside funds, the converted amount compounds in Roth. Otherwise the model reduces the initial Roth amount by conversion tax.
Questions
Is the Roth option always better?
No. The outcome depends on tax rates, time horizon, returns, liquidity, and account rules.
Does this calculate marginal tax brackets?
No. It applies the single current and retirement tax rates entered.
Are withdrawals modeled?
No. The comparison ends at the selected years-to-retirement horizon.
Limitations
This is a simplified scenario model. Verify pro-rata rules, withholding, penalties, contribution limits, and current IRS guidance with a tax professional.