Explore UAA

What can we help you find?

Start with a topic or a name.

    Roth Conversion Explorer

    A different tax choice.
    A clearer perspective.

    Explore one part of a Roth conversion decision: paying tax now versus an assumed tax rate on the same amount later. Three inputs. A starting point for a conversation.

    A glass hourglass, navy notebook and pen on a sunlit desk. Illustrative planning scene.
    HomeResourcesRoth Conversion Explorer

    Explore your assumptions

    What changes when the tax rate changes?

    Adjust the example amounts and assumptions using the fields or sliders, then select Calculate. Your entries stay in this open page and are not sent or saved.

    Your starting point

    Example values are illustrative assumptions. Adjust them for your situation, then select Calculate.

    Assumes the entire amount is pre-tax and taxable when converted.
    Use an estimated average rate on this amount, including state tax if applicable. This is not necessarily your current marginal bracket.
    Apply an estimated rate to the same amount if left in a traditional IRA and withdrawn later. Future rates are uncertain.

    Enter all required inputs to see your illustration.

    How this calculation works

    Illustrative conversion tax = amount × selected conversion tax rate. Illustrative tax on a later traditional IRA withdrawal = the same amount × selected later tax rate. Difference = later tax − conversion tax, using amounts rounded to cents. A positive difference means more tax at the selected later rate. It is not a calculation of conversion savings.

    This isolates tax rates on an unchanged, fully pre-tax dollar amount. It does not project future account balances, growth, investment returns, fees or inflation. It does not discount future taxes to today’s dollars, calculate tax brackets, or account for where conversion-tax money comes from or what that money might otherwise earn. It does not compare total household wealth.

    The selected rates are illustrative average tax rates on this amount, not estimates derived from a tax return. There is no tax-bracket lookup or state-tax calculation. After-tax IRA basis and the pro-rata rule, Medicare premiums, Social Security taxation, credits, deductions, RMDs and early-distribution rules are outside this model. These factors can materially change the decision. No account eligibility or withdrawal qualification is determined.

    Background: IRS Roth conversion guidance and IRS Publication 590-B, checked September 30, 2026. Conversion of pre-tax money generally creates taxable income; qualified Roth IRA withdrawals are tax-free. Qualification and separate conversion withdrawal rules require individual review. These tax rules do not make this illustration a recommendation.

    Model 1.1.0 · September 30, 2026

    Scenario inputs

    Start with a conversation

    Put your results in perspective.

    Talk With an Advisor

    Provided by United Advisors America, an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. This illustration is hypothetical and educational, not a recommendation. See Form ADV and Form CRS at adviserinfo.sec.gov.