Roth Conversion Calculator | Gulfcoast Embers Advisors

Roth Conversion Calculator
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How to Use the Roth Conversion Calculator

1 — Enter Your Current Balances
Add your Traditional IRA or 401(k) balance and your existing Roth balance (if any).

2 — Choose a Conversion Amount
Enter how much you want to convert this year. You can test multiple amounts to compare outcomes.

3 — Set Your Tax Assumptions
Choose your current marginal tax rate and your expected future tax rate in retirement. These drive the conversion benefit.

4 — Review the Immediate Tax Cost
The tool shows how much tax you would owe today based on the conversion amount and your current tax bracket.

5 — Compare Future Values
See how your Traditional and Roth balances may grow over time, assuming identical investment returns.

6 — Understand the Breakeven Point
The breakeven year shows when the Roth conversion becomes more valuable than keeping the funds in Traditional accounts.

7 — Explore Long-Term Benefits
Learn how conversions can reduce future RMDs, lower taxable income in retirement, and improve tax diversification.

8 — Use Advanced Mode for Deeper Planning
Advanced Mode lets you model multi-year conversion strategies, bracket management, RMD impacts, and future tax‑rate changes. You can test phased conversions, annual limits, and how different market return paths affect long‑term outcomes.

9 — Test Multiple Scenarios
Adjust conversion amounts, tax rates, and growth assumptions to see how each factor affects long-term outcomes.

10 — Save Your Analysis
You can export your results as a CSV for year by year details.

Amount to Convert ($):

Current marginal tax rate (%)

Future marginal tax rate (%)

Years until withdrawal:

Estimated Years of Withdrawal:

Expected annual return (%):

Expected withdrawals in Retirement:

Taxes paid from

Multi‐year conversions, fill‐up‐to‐bracket, and tax details.

Schedule type

Number of years in conversion schedule

Amount per year (fixed schedule)

State tax rate (%)

Growth rate for taxable account (%)

Inflation assumption (%)

Model RMD suppression

Current Age

Advanced mode is illustrative, not tax advice. It approximates bracket fill and multi‐year conversions.

Conversion taxes paid: ‐

Future tax cost if not converting: ‐

Roth future value (tax‐free): ‐

Traditional future value (after tax) if no conversions: ‐

Years of Withdrawal until Breakeven: ‐

Projected PV of lifetime savings/cost of converting as planned: ‐

This calculator is for illustrative purposes only and does not constitute investment advice. Actual returns, inflation, and costs may differ.