Roth Conversion Calculator

Roth Conversion Calculator

Estimate the long-term impact of converting pre-tax IRA funds to a Roth — modeled with 2025 Married Filing Jointly tax brackets, stacked income, and year-by-year RMD projections through age 95.

Personal & Account

Income & Budget

Growth Assumptions

2025 federal tax brackets applied to stacked income each year (pension + taxable Social Security + other income + RMDs/conversions). Brackets inflate forward at the inflation rate.

Key metrics at age 75

RMD required (with conversion)
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Inflated budget needed at 75
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RMD surplus / (shortfall)
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Lifetime totals through age 95

Tax on IRA distributions — no conversions
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Total tax — with conversions (RMDs + conversion tax)
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Lifetime tax savings from converting
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Roth value at age 95
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Optimal conversion

Annual conversion that maximizes tax savings
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Max tax savings at optimal amount
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RMD vs. Distribution Need — Ages 75 to 95

Annual
Conversion

Adjust to model conversions.
RMD IRA distribution needed

This calculator is for illustrative purposes only and does not constitute financial or tax advice. RMD factors from IRS Uniform Lifetime Table III. Tax calculations use 2025 MFJ brackets inflated forward; does not account for state taxes, IRMAA, or alternative minimum tax. Consult a qualified financial advisor before making conversion decisions.