Run A Roth Conversion Calculation Before Making A Decision
Model a multi-year Roth conversion strategy based on your situation. Qualified Roth withdrawals are generally federal income–tax-free, subject to IRS rules including the 5-year holding period. Educational tool — not individualized tax, legal, or investment advice.
Why Convert
Three reasons a Roth Conversion pays off today.
Under current law, individual provisions of the 2017 Tax Cuts and Jobs Act are scheduled to sunset after 2025. Future tax rates are uncertain — modeling now can help you evaluate your options.
Tax Withheld From Conversion
Federal (and where applicable, state) tax can often be withheld from the converted balance, so you may not need to write a separate check. Doing so reduces the amount that grows tax-free, and amounts withheld before age 59½ may be subject to a 10% additional tax.
Multi-Year Bracket Targeting
We model conversions across multiple tax years designed to target lower brackets. Actual results depend on your future income, deductions, and tax law, and cannot be guaranteed.
Sized To Your Plan
Conversions are sized based on your goals and current bracket. Roth conversions are irrevocable, the converted amount is taxable in the year of conversion, and investment values fluctuate and can lose value.
The Real Cost
The hidden tax bill inside your Traditional IRA.
Most IRA owners don't realize how much of their balance the IRS will eventually take — and how much that share grows every year they delay.
See whether a Roth conversion strategy may fit your situation.
Complimentary educational illustration based on the information you provide. Hypothetical and not a prediction of future results. A licensed professional will review your situation before any recommendation is made.
What state do you live in?
State income tax rules materially affect your Roth conversion strategy.