Roth Conversion at Retirement Calculator

The window between retirement and age 73 (when RMDs begin) is often the best time to convert traditional IRA funds to a Roth. Your income may be lower, tax brackets more favorable, and you have years for the Roth to grow tax-free. This calculator helps you evaluate whether a partial Roth conversion makes sense for your situation.

Traditional IRA Balance

Years Until RMDs Begin

Current Income (before conversion)

Conversion Amount This Year

Current Tax Rate (marginal)

Expected Future Rate (with RMDs)

Expected Annual Return

Conversion benefitsTax-free withdrawals in retirement. No RMDs during lifetime. Lower future IRMAA Medicare surcharges. Better for heirs (10-year tax-free growth).

Conversion costsTax bill due now (from outside funds ideally). May push into higher bracket. May trigger IRMAA surcharge in conversion year. Requires planning.