Tax cost today
$48,000
$200,000 modeled as taxable.
Planning Tools
Calculator
Roth IRA Conversion Calculator
Compare converting IRA dollars to Roth today with keeping them traditional, using your tax picture, time horizon, and payment source.
Tax PlanningRetirementFederal Tax Model
Projection Summary
Roth conversion estimate
2026Outside cash
Conversion scenario leads
$55,291
To convert to Roth, you would pay approximately $48,000 in taxes today, and by age 70 you could have $55,291.49 more in projected net wealth. The conversion becomes favorable after about 1 year.
Convert now
$570,868
Projected net wealth for the conversion path.
Break-even rate
14.3%
Future tax rate where the paths are roughly indifferent.
Scenario View
Compare the projected paths and review the assumptions behind the estimate.
Conversion path
- Gross conversion amount
- $200,000
- Tax-free share modeled
- $0
- Current federal tax cost
- $48,000
- Net Roth amount
- $200,000
Projected outcome
- Convert now net wealth
- $570,868
- Keep traditional net wealth
- $515,576
- Projected conversion advantage
- $55,291
- Profitability point
- 1 year
How to Use This Tool
Use the estimate to sharpen the next planning question.
- 01
Model one conversion scenario
Start with a realistic conversion amount. If you are considering a multi-year conversion plan, test one slice at a time.
- 02
Pressure-test the tax spread
Compare current and future taxable income assumptions. Even small bracket changes can meaningfully alter the outcome.
- 03
Treat the result as a planning prompt
A close result may point toward tax diversification, estate goals, liquidity needs, or future bracket management rather than a single obvious answer.
About This Model
A federal planning estimate, not a recommendation.
This calculator compares converting IRA dollars to Roth today with keeping the same dollars traditional until a future distribution age. It estimates current and future federal marginal rates from taxable income and filing status.
The model does not account for state taxes, IRMAA, Social Security taxation, ACA credits, charitable planning, conversion ladders, five-year clocks, early-distribution exceptions, or full pro rata rule analysis.
This calculator is educational and does not replace individualized tax, retirement, or investment advice. Before converting, review tax brackets, basis, withholding, cash flow, Medicare premiums, state taxes, and your broader retirement plan with qualified professionals.
Bring the next tax question into focus.
If the estimate points to a meaningful tradeoff, review conversion timing, tax brackets, liquidity, and long-term account strategy with PeakStone.