Roth Conversion Calculator

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Tax Benefits from Investment Decline

S&P 500 Index suffered a ~20% drop in 2022
By converting your Traditional IRA to a Roth IRA, you pay the taxes on the conversion now out of other non-IRA assets, and you can allow your IRA portfolio to grow income tax-free. Taxes would be higher when the market recovers and portfolios bounce back.

Amount to convert
Non-deductible contributions
Current age
Age at withdrawal
Rate of return
Tax rate (today)
Tax rate (at withdrawal)
Investment tax rate

Calculating Taxes

For information about tax rates, see the IRS 2023 updates and NerdWallet's tax brackets
Adjust the tax calculations to your circumstances


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