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M Financial Group
Contact Us
Our Services
Business Continuation
Disability and Long Term Care
Employee Benefits
Estate Planning & Wealth Transfer
Executive Benefits
Financial Planning
Investment Management
Life Insurance
Retirement Planning
Calculators
Amoritzation
College Tuition Planner
Estate Tax Calculator
Future Value of Regular Payments
Life Insurance Needs
Periodic Withdrawals from a Lump Sum
Present Value / Future Value
Retirement Savings Calculator
Roth IRA Conversion Calculator
Savings Goal Planner
Tax-Deferred Accumulation
M Financial Group
Contact Us
Roth IRA Conversion Calculator
Roth IRA Conversion Calculator
Use this calculator to compare Traditional & Roth IRAs.
Current Age
Age when Income Starts
Number of Years to Receive Income
Accumulation Rate of Return
%
Distribution Rate of Return
%
Income Tax Rate During Accumulation Phase
%
Income Tax Rate During Distribution Phase
%
Current IRA Balance
Non-Deductible Portion of IRA
How will you pay the conversion tax?
1) Pay taxes from non-IRA assets
2) Pay taxes from proceeds of Roth conversion
Option 1
Option 2
Conversion Phase
Â
Current IRA Balance (deductible)
Current IRA Balance (non-deductible)
Side Account
Roth Conversion Amount (before taxes)
Less Conversion Tax Liability
Adjusted Beginning Comparison Balance
Accumulation Phase
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Estimated IRA Balance (deductible)
Estimated IRA Balance (non-deductible)
Estimated Side Account
Estimated Roth IRA Balance
Estimated Value at Retirement (before taxes)
Distribution Phase
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Yearly Income (deductible)
Yearly Income (non-deductible)
Side Account Income
Roth IRA Income
Annual After-Tax Income
Monthly After-Tax Income