Age scenario
Model Roth conversion scenarios for users close to retirement using a shorter compounding window and retirement tax-rate assumptions.
Near-retirement scenarios usually depend more on tax bracket room and retirement income assumptions than long compounding periods.
Near-retirement users often compare current-year tax cost against a relatively short runway before retirement.
The calculator lets users adjust retirement age, expected return, and expected retirement marginal tax rate to see how sensitive the estimate is.
The output should be treated as a planning worksheet for professional review, not as a final tax strategy.
Open the calculator with age 63 and retirement age 67 prefilled, then adjust income, filing status, state tax, basis, conversion amount, and tax-payment method.
Open the calculatorThis educational page supports scenario modeling only and does not recommend a conversion amount or timing.
This Roth Conversion Calculator is for educational and illustrative purposes only. It does NOT constitute tax, financial, legal, or investment advice. The calculation results are based on the information you provide and the latest IRS tax rules, which are subject to change. We do not guarantee the accuracy of the results. Please consult a licensed Certified Public Accountant (CPA), financial advisor, or tax professional before making any financial decisions.