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Retirement · 401(k), IRA & Roth

Roth Conversion Calculator

Compare converting a Traditional IRA/401(k) to a Roth now against leaving it pre-tax.

  • Free to use here · embed on the Business plan
  • 5 inputs · 5 results
  • English & Spanish

Try the Roth Conversion Calculator

See if converting to Roth pays off — results update as you type.

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Estimates only — not a loan offer or financial advice.

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What this calculator does

What the Roth Conversion calculator works out

The Roth Conversion Calculator is a free, embeddable calculator from CalcFunnel. Compare converting a Traditional IRA/401(k) to a Roth now against leaving it pre-tax.

You enter 5 inputs: amount to convert, years to grow, annual return (%), tax rate now (%) and tax rate in retirement (%).

It returns roth value (After conversion), no conversion (After-Tax, incl. tax money invested), conversion advantage, tax due on conversion and future pre-tax balance.

Built for financial advisors and planners. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Retirement category.

Results it shows

  1. 01Roth Value (After Conversion)
  2. 02No Conversion (After-Tax, incl. Tax Money Invested)
  3. 03Conversion Advantage
  4. 04Tax Due on Conversion
  5. 05Future Pre-Tax Balance

The first figure — roth value (after conversion) — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Conversion

Amount to Convert
The pre-tax balance you would convert to a Roth.
Years to Grow
Years until you withdraw.
Annual Return (%)
The average annual investment return, compounded monthly.

Tax Rates

Tax Rate Now (%)
Your marginal tax rate today — what the conversion is taxed at.
Tax Rate in Retirement (%)
Your expected marginal tax rate when you would otherwise withdraw the Traditional balance.

For your website

Embed this calculator on your website

Put the Roth Conversion Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

Roth Conversion calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the Roth Conversion Calculator calculate?
Compare converting a Traditional IRA/401(k) to a Roth now against leaving it pre-tax. It returns roth value (After conversion), no conversion (After-Tax, incl. tax money invested), conversion advantage, tax due on conversion and future pre-tax balance.
Q.02What information do I need to use the Roth Conversion Calculator?
You enter 5 inputs: amount to convert, years to grow, annual return (%), tax rate now (%) and tax rate in retirement (%). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Amount to Convert” mean in the Roth Conversion Calculator?
The pre-tax balance you would convert to a Roth.
Q.04What does “Years to Grow” mean in the Roth Conversion Calculator?
Years until you withdraw.
Q.05Is the Roth Conversion Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Retirement category. Compare plans.
Q.06Can I embed the Roth Conversion Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the Roth Conversion Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the Roth Conversion results financial advice?
No. Estimates only. Assumes the conversion tax is paid from outside funds; if you don't convert, that money is assumed to stay invested in a taxable account (gains taxed at your retirement rate). Rates hold as entered; conversions can affect your tax bracket, IRMAA and more. Consult a tax professional.

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