Calculator
Social Security Break Even Calculator
This free Roth conversion break-even calculator helps you estimate when paying taxes now on a Roth IRA conversion will start to beat keeping money in a traditional IRA. Adjust tax rates, time horizon, and growth assumptions to see if a Roth conversion fits your retirement plan.
Roth Conversion Break-Even Calculator
Use this calculator to compare keeping money in a traditional IRA versus converting to a Roth IRA today. Enter your assumptions and we’ll estimate the after-tax value at withdrawal under each option. In this simplified model, the break-even point generally occurs when your future marginal tax rate is the same as your current marginal tax rate.
Important: This Roth Conversion Break-Even Calculator is a simplified educational tool.
It assumes constant tax rates and investment returns, and does not account for state taxes, RMD rules,
Social Security taxation, Medicare surcharges, or other real-world factors. Always consult a qualified
tax professional or financial advisor before making conversion decisions.
Disclaimer:
RetireCoast has created this calculator for the exclusive use of our readers.
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