Roth Conversion Calculator
Estimate the long-term impact of converting pre-tax IRA funds to a Roth — compare RMDs, lifetime taxes, and tax-free legacy value through age 95.
Personal & Account
59 16 yrs to RMD
59 16 yr window
$1.70M
$200K
Income & Budget
$200K
$73.5K
$76.8K
Growth & Tax Assumptions
6.0%
2.5%
24%
32%
Roth Conversion
$60K/yr
Adjust the slider to model annual Roth conversions.
Key metrics at age 75
RMD required
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Inflated budget needed
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RMD surplus / (shortfall)
—
Lifetime totals through age 95
Tax on IRA distributions — no conversions
—
Total tax paid — with conversions
—
Tax savings from converting
—
Roth value at age 95
—
RMD vs. Distribution Need — Ages 75 to 95
RMD (no conversion)
RMD with conversion
IRA distribution needed
Inflated budget