Roth Conversion Analyzer
Understand your Roth conversion. Make your own decisions. Take control of your future.
Find the optimal conversion window — minimize future RMDs and tax bracket exposure in retirement.
Educational disclaimer: All content on WealthSerene.com is for educational purposes only and does not constitute investment advice. Projections and calculations are illustrative — actual results will vary based on market conditions, your specific situation, and many factors outside this tool’s scope. Always consult a qualified financial professional for advice specific to your situation. For tax advice, consult a CPA or Enrolled Agent. View full disclosures →
How this is calculated
We compare the tax you’d pay to convert today against the tax you’d likely avoid in retirement, to see if a conversion comes out ahead.
The steps
- Tax due now = conversion amount × (current federal bracket + state rate).
- Grow the converted amount at ~7% to retirement, then estimate the tax that would have been owed at your future bracket.
- Net benefit = future tax avoided − tax paid now; we also estimate a break-even horizon.
Assumptions
- 7% growth; brackets you enter for now and retirement.
- You pay the conversion tax from outside the account.
- Conversions are capped at your IRA balance — you can’t convert more than the account holds.
Good to know
- Doesn’t model IRMAA, ACA subsidies, or RMD interactions in depth.
Related resources
Educational disclaimer: All content on WealthSerene.com is for educational purposes only and does not constitute investment advice. Projections and calculations are illustrative — actual results will vary based on market conditions, your specific situation, and many factors outside this tool’s scope. Always consult a qualified financial professional for advice specific to your situation. View full disclosures →