In 1997, the Roth IRA was introduced. Since then, many people have converted all or a portion of their existing Traditional IRAs to a Roth IRAs, where interest earned may be completely tax-free. Is this a good option for you? A conversion has both advantages and disadvantages that should be carefully considered before you make a decision. This calculator estimates the change in total net-worth, at retirement, if you convert your Traditional IRA into a Roth IRA.

Roth IRA Conversion Results

Your retirement savings would ATR_DIFF_MSG at retirement.

Your retirement total savings, after taxes, would ATR_DIFF_MSG by converting your existing IRA to a Roth IRA. That equals a ATR_PERC_DIFF difference. ATR_EXTENDED_MSG

Compare Your Results

Traditional IRA at Retirement Roth IRA at Retirement IRA before taxes: + IRA_BF_TAX_ATR Tax liability: - IRA_TAX_ATR Return on 'tax investment': + IRA_TAX_PMT_RTN_ATR Total portfolio value= IRA_TOT_ATR Roth IRA balance: + ROTH_TOT_ATR Tax liability: - $0 Return on 'tax investment': + $0 Total portfolio value= ROTH_TOT_ATR

Total difference at retirement: ATR_$_DIFF
Percentage difference: ATR_PERC_DIFF

Your Input Values

Input Values Amount to convert:  AMT Non-deductible contributions: AMT_AF_TAX Current tax rate: TAX_RATE Tax rate at retirement: TAX_RATE_ATR Investment tax rate: TAX_RATE_INVEST Current age:  AGE Age at retirement  AGE_ATR Rate of return: ROR_INVEST  Roth tax liability: ROTH_TAX_TOT Roth tax payment:  ROTH_TAX_PMT

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Information and interactive calculators are made available to you as self-help tools for your independent use. We can not and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.