tax calculator · 2 min

Roth conversion preview

See the tax cost today vs. possible tax savings later, before required withdrawals begin.

Pre-tax balance today

Traditional IRA + Traditional 401(k).After-tax (nondeductible) IRA basis

After-tax dollars already in your IRAs (Form 8606). Usually $0. Lowers the taxable share of a conversion under the IRS pro-rata rule.Your ageAmount to convert this year

Expected annual return (%)Current marginal bracket (%)Federal + state combined.Bracket at RMD age (%)Estimated bracket at 75 without conversion.

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Calculator disclosure

What you'll see here. This is an educational tool. Your planning inputs stay in your browser — The Retirement Atlas does not receive them. The numbers you'll see are observations and projections, not advice. They depend on the assumptions you enter and may not reflect your situation. Identifiable details (name, email, phone) are only collected if you separately choose to save your map, ask for help, or be matched with a licensed annuity specialist, and those flows have their own consent steps. Consult your own licensed financial professional before making any financial decision.

Learn more

Read the answer behind the calculator.

Roth answer

Roth conversion in retirement

Read the plain-English conversion answer before testing a conversion year.

Roth answer

When to stop Roth conversions

Use this page when the question is not starting conversions, but knowing where the window closes.