Roth Conversion Analyzer
Model the long-term impact of converting traditional IRA assets to a Roth IRA. Compare tax-free growth against the upfront conversion cost.
Personal Info
years
years
IRA Details
$
Current total balance across all traditional IRAs
$
2025 limit: $7,000 ($8,000 if 50+)
%
Historical S&P 500 average: ~10% nominal, ~7% real
Tax Situation
$
Used to determine your current marginal bracket
$
Social Security, pensions, part-time work, etc.
Current federal marginal rate24.0%
State rate13.3%
Conversion
$
How much of your traditional IRA to convert to Roth this year
Your Analysis Will Appear Here
Enter your IRA details and conversion amount, then click "Analyze Conversion" to see whether a Roth conversion makes sense for you.