About This Tool

This Roth Conversion Tool estimates whether a full or partial IRA conversion is beneficial, factoring in federal & state taxes, growth, and break-even tax rates (BETR).

• Compare partial vs. full conversions.
• Account for federal and state tax rates now and in retirement.
• Include tax payment source and nondeductible basis.
• Model taxable drag based on yields.
• Calculate break-even retirement tax rate (BETR).
• Visualize after-tax wealth and growth.

Assumptions: Uniform annual growth; taxes paid at end; no RMDs modeled; ignores final capital gains tax; consult a tax advisor.