Staged conversion examples

Multi-year Roth Conversion Planning

Compare educational equal-split schedules for a Roth conversion. These pages explain how the calculator's multi-year table works and do not recommend a specific conversion schedule.

Lump sum

Lump-Sum Roth Conversion Example

A lump-sum example models the full conversion amount in one tax year.

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2-year schedule

2-Year Roth Conversion Plan Example

A 2-year example splits the modeled conversion amount into two equal annual amounts.

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3-year schedule

3-Year Roth Conversion Plan Example

A 3-year example splits the modeled conversion amount into three equal annual amounts.

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5-year schedule

5-Year Roth Conversion Plan Example

A 5-year example splits the modeled conversion amount into five equal annual amounts.

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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.