This calculator estimates how much wealthier you’d be by converting your Traditional IRA to a Roth IRA today, based on the framework in our research note Size Matters in the Roth IRA Conversion Decision.
When you pay conversion taxes with money outside your IRA, you’re effectively making your retirement account bigger. The IRS doesn’t distinguish between pre-tax and post-tax dollars sitting in an IRA, so a $1mm Roth is worth meaningfully more than a $1mm Traditional IRA.
The calculator compares two paths for your “conversion wealth” (your IRA plus the money you’d use to pay conversion taxes) and reports how much additional after-tax, risk-adjusted wealth the Roth conversion generates at your chosen horizon.
Adjust the inputs and click Run! to compute.