After-tax gain
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Conversion vs no conversion, end of plan
No-conversion vs annual Roth conversion
The calculator projects balances to your planning horizon, models required minimum distributions, compares after-tax wealth, and shows when the conversion path pulls ahead.
Conversion taxes paid
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Total over the conversion years
Break-even age
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Age conversion pulls ahead on after-tax value
Break-even tax rate
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Convert if you expect your future rate above this
Conversion end value
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After-tax, end of plan
After-tax value over time
No conversion (end of plan)
—With conversion (end of plan)
—What this means
Insight
Run the calculation to see which strategy creates more after-tax wealth.
Assumptions & limitations
| Metric | No conversion | With conversion |
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