Roth Conversion Tool
Roth IRA Conversion Calculator
Does converting to a Roth IRA make sense for you? Compare the long-term after-tax impact of converting versus keeping your Traditional IRA.
Roth conversions are one of the most impactful tax strategies I recommend, and this calculator helps you see why.
No sign-up required · Instant results
Projected Net Benefit of Converting
+$0
after 15 years at 7.0% annual return
Tax Cost of Conversion
$0
Eff. rate: 23.4%
Break-Even Retirement Rate
20.2%
Conversion wins above this
Bracket Impact
22% → 24%
Pushes into 24% bracket
After-Tax Value at Year 15
Roth produces $10,096 more after taxes
Projected Growth Over Time
Roth overtakes Traditional in Year 7
Converting $200,000 to a Roth IRA would cost $46,772 in taxes today (effective rate: 23.4%), but after 15 years of tax-free growth at 7.0%, your projected after-tax wealth would be $10,096 higher than keeping the Traditional IRA. Conversion breaks even if your retirement tax rate is above 20.2%.
A conversion strategy is rarely one-size-fits-all
A Farther advisor can model multi-year conversion ladders, state tax impact, IRMAA thresholds, and RMD strategies - tailored to your complete financial picture.
Build My Roth Conversion PlanConverting $200,000 costs $46,772 in tax now and projects $10,096 more after-tax wealth over 15 years. The right size of conversion depends on your bracket window.
This is an estimate, not a number to plan around alone.
This calculator is an educational tool to help you think through scenarios. The results are illustrative estimates based on the inputs you provided and general assumptions. They are not financial advice, and the numbers shown should not be relied on as exact to your situation.
Real outcomes depend on factors a calculator can't fully model: your complete tax picture, plan-specific rules, market performance, IRS rate changes, life events, and how all the pieces of your financial life interact. Past performance does not guarantee future results.
Calculations use 2026 federal income tax brackets and do not account for state and local taxes, deductions, credits, or other income sources not modeled here. Future tax law changes may significantly affect results. Tax-free Roth IRA withdrawals generally require the account to be open at least 5 years and the holder to be age 59½ or older; early withdrawals may be subject to taxes and a 10% penalty. Farther Finance Inc. is a registered investment adviser with the SEC; registration does not imply a certain level of skill or training. See our Form ADV Part 2A on the disclosures page.
Before making any decision based on these numbers, let's talk. I'll look at your full picture, pressure-test the assumptions, and help you understand what these numbers actually mean for you, at no cost.