Roth Conversion Calculator
Compare after-tax retirement outcomes for converting Traditional IRA → Roth, with sensitivity to future tax-rate assumptions
Roth Conversion Calculator
$
%
%
%
yr
Recommendation
Strongly Favor Roth ConversionTraditional After-Tax
$1,845,327
32.00% on withdrawal
Roth After-Tax
$2,270,838
$120,000 conversion tax
Net Benefit (Roth − Trad.)
+$425,511
+23.1% uplift
Sensitivity to Future Tax Rate
Net benefit by retirement-bracket assumption — useful when future tax rate is uncertain
| Future Rate | Trad. After-Tax | Roth After-Tax | Net Benefit | Uplift |
|---|---|---|---|---|
| 10% | $2,442,345 | $2,127,554 | -$314,791 | -12.9% |
| 15% | $2,306,659 | $2,160,118 | -$146,541 | -6.4% |
| 20% | $2,170,973 | $2,192,683 | +$21,710 | +1.0% |
| 24% | $2,062,424 | $2,218,734 | +$156,310 | +7.6% |
| 28% | $1,953,876 | $2,244,786 | +$290,910 | +14.9% |
| 32% | $1,845,327 | $2,270,838 | +$425,511 | +23.1% |
| 37% | $1,709,641 | $2,303,402 | +$593,761 | +34.7% |
| 40% | $1,628,230 | $2,322,941 | +$694,711 | +42.7% |
Roth wins when future tax rate > current rate. Paying conversion tax from outside savings (vs from the IRA itself) further amplifies the Roth advantage.