Roth Conversion
Model the true cost of converting a Traditional IRA to a Roth. See break-even years, tax bill, and after-tax retirement value.
$9,287
net benefit at retirement
$8,800 tax now
The math
Taxes due now
$8,800
Net converted
$40,000
Roth at retirement
$154,787
Traditional after tax
$111,447
Net benefit
$9,287
Freedom Coach™
Convert now — you'll come out $9,287 ahead in 20 years.
Tax bill now: $8,800 at 22%. Rule of thumb: convert when today's rate is LOWER than your future rate.
Premium
Save multi-year conversion ladder scenarios and stress-test bracket-filling strategies.
Unlock PremiumMoving money from a Traditional IRA/401k (pre-tax) to a Roth IRA (post-tax). You pay income tax now to skip taxes on withdrawals in retirement.
When your current tax rate is LOWER than your expected retirement rate. Great in low-income years: sabbaticals, early retirement gap, or income dips.
Enough to 'fill up' your current bracket without pushing into the next one. Multi-year partial conversions almost always beat one big conversion.
From OUTSIDE cash, not the conversion. Paying from the IRA shrinks the amount that gets to grow tax-free.
Converted funds must sit in the Roth 5 years before penalty-free withdrawal of the converted amount (if under 59½). Growth is separate.
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