Explore how Roth conversion strategies might impact your retirement planning through educational projections

The Roth Conversion Analyzer allows you to explore how converting pre-tax retirement assets to a Roth account may impact future taxes, income flexibility, and long-term planning outcomes. Using educational projections, it helps illustrate potential trade-offs between paying taxes today versus managing tax exposure later in retirement—supporting more informed, strategic decision-making.

⚠️ Educational Tool Disclaimer

This tool provides educational estimates only and is not tax advice, investment advice, or financial planning recommendations. Results are based on assumptions you provide and simplified calculations. Actual outcomes will vary based on tax law changes, individual circumstances, investment performance, and other factors. Consult with qualified tax and financial professionals before making any conversion decisions.

Your Assumptions

years
years
$

Traditional IRA, 401(k), or similar pre-tax accounts

$

One-time conversion amount

%

Your estimated tax rate on the conversion

%

Expected rate on future distributions

%

Conservative: 5%, Moderate: 7%, Aggressive: 9%

Understanding the Calculation

What This Tool Does

This calculator projects the potential outcomes of converting a portion of your pre-tax retirement savings to a Roth account. It compares two scenarios: converting now versus leaving funds in traditional accounts.

Key Assumptions

  • Tax rates remain constant at your specified levels
  • Investment returns are consistent annually
  • No additional contributions or withdrawals
  • Conversion taxes paid from outside sources

What This Tool Doesn't Do

  • Account for actual IRS tax brackets or phase-outs
  • Consider state income taxes
  • Factor in Required Minimum Distributions (RMDs)
  • Include Social Security or other income sources
  • Recommend specific conversion amounts

Remember: Real-world Roth conversion decisions require detailed analysis of your complete financial picture, including tax planning, estate considerations, and retirement income needs.

Traditional IRA Path

Value at Retirement (Pre-Tax)
$0
Est. After-Tax Value
$0
Using retirement tax rate

Roth Conversion Path

Roth Value at Retirement
$0
Tax-free withdrawals
Remaining Traditional
$0

Immediate Tax Impact

Estimated conversion tax: $0

Ready to Explore Your Options?

These educational insights are just the beginning. Let's discuss how a personalized Roth conversion strategy might fit into your comprehensive financial plan.

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Long Financial Services | Educational Tool

This tool is provided for educational and illustrative purposes only. It does not constitute tax, legal, or investment advice. All calculations are based on simplified assumptions and do not account for the full complexity of tax law, investment markets, or individual circumstances. Consult with qualified professionals including CPAs, tax attorneys, and financial advisors before making any financial decisions. Past performance does not guarantee future results. Investment returns are not guaranteed and involve risk of loss.

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