Roth Conversion Estimate

See what taxes could cost you —
and what tax-free could look like.

A quick, ballpark look at the difference between leaving your retirement account as-is and converting it. Two questions, no contact info needed.

If you do nothing
$0
in taxes on required withdrawals, age 73 to 90.
+ $0 still owed after age 90 — your heirs' tax on the $0 still in the account.
If you convert · 10-year plan
$0
tax-free at age 90.
You'd pay $0 in conversion tax (age 56 to 65), then $0 after that — no required withdrawals, tax-free to your heirs.
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Illustrative estimate only. Figures assume a 7% annual return, a 24% income-tax rate, a 32% rate on amounts converted, conversions spread over 10 years, required withdrawals (RMDs) beginning at age 73, and projections through age 90 (end-of-year values; IRS Uniform Lifetime Table, assuming a spouse within 10 years of age). "Taxes on required withdrawals, age 73 to 90" is the income tax paid on RMDs during that window; "still owed after age 90" is the income tax your heirs would owe on the pre-tax balance remaining at age 90 — taxes do not stop at age 90. These are projections under fixed assumptions, are not guaranteed, and are not tax, legal, investment, or insurance advice. Your actual results will differ. Consult a licensed professional before making any decision.