Roth Conversion Withdrawal Schedule Calculator turns your planning assumptions into an actionable estimate of total projected withdrawals. Adjust the values to compare scenarios, then use the supporting figures to see what drives the result. The calculation is a planning aid, not a prediction, and it leaves rates and tax assumptions under your control.
The main result adds the withdrawals the account can fund, capped by the available balance each year.
This is a planning projection. Roth distribution tax treatment and five-year rules depend on account history and circumstances.
A $250,000 balance earning 5% with a $20,000 first withdrawal growing 2% produces a year-by-year projection rather than a simple balance divided by spending.
No. It projects cash flow only; verify each conversion's five-year period before taking an early distribution.
The model caps that year's withdrawal at the remaining balance and reports the first depletion year.
The calculator applies annual growth first and then subtracts the withdrawal at year-end.
Yes. Enter a negative withdrawal increase rate, within the allowed range.
No. Qualified Roth withdrawals are generally tax-free, but eligibility is not determined by this calculator.
| Variable | Meaning |
|---|---|
| Return | Annual growth before that year's withdrawal |
| Withdrawal growth | Annual change in planned spending |