Federal Employee Tools

Roth Conversion Analysis Calculator

Should you convert your Traditional IRA or TSP to Roth? Find your Break-Even Tax Rate and see the true long-term impact on your retirement wealth.

Your Inputs

Current IRA Balance

Expected Annual Return

Years Until Retirement

years

Current Tax Bracket

Retirement Tax Bracket

Tax Payment Source

Taxable Account Return

Capital Gains Tax Rate

Non-Deductible IRA Basis

Include Beneficiary Analysis

Break-Even Tax Rate (BETR)

Your future tax rate needs to be above this rate for a Roth conversion to make sense

Your Projected Rate:32%

BETR:0%

✓ Roth Conversion Recommended

Traditional IRA Tax-Deferred

Balance at Retirement

Taxes Owed at Withdrawal

After-Tax Value

Roth IRA (Conversion) Tax-Free

Balance at Retirement

Conversion Tax (Paid Now)

After-Tax Value

After-Tax Retirement Comparison

Traditional IRA
(After Taxes)

Roth IRA
(Tax-Free)

Potential Tax Savings

Not sure if a Roth conversion is right for you?

A Roth conversion can be one of the most powerful tax strategies available — or one of the most costly mistakes. Octus Financial provides fiduciary-only retirement planning across all 48 states.

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Roth Conversion Analysis Calculator

Your Inputs

Break-Even Tax Rate (BETR)

Traditional IRA Tax-Deferred

Roth IRA (Conversion) Tax-Free

After-Tax Retirement Comparison

Potential Tax Savings

Beneficiary Inheritance Analysis

Traditional IRA (Inherited) Taxable

Roth IRA (Inherited) Tax-Free

Tax Savings for Your Beneficiary