#3312 · Finance Tool

Roth Conversion Income Forecast Calculator

Roth Conversion Income Forecast Calculator turns your planning assumptions into an actionable estimate of first-year annual Roth income. 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.

Calculator

Enter your assumptions
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How to use this calculator

  1. Enter the assumptions that describe your Roth conversion plan.
  2. Use marginal tax rates rather than average tax rates where the field calls for them.
  3. Select Calculate to update the estimate.
  4. Review the main result together with the secondary figures and assumptions.

Formula

Balance is accumulated from annual additions and returns. First-year income = projected balance × withdrawal rate.

What the result means

The result translates a projected Roth balance into a first-year income target using your chosen withdrawal rate.

The retirement-income duration is context, not a promise of sustainability. Market returns and withdrawals vary.

Example calculation

With $30,000 added each year for 15 years at 6%, the tool compounds every year-end addition and then applies the selected withdrawal rate.

Tips for better results

  • Model conversions year by year when tax brackets change.
  • Keep money for conversion tax outside the IRA when practical.
  • Check the five-year rules before planning early access.
  • Include state tax if it applies to the conversion.
  • Compare several future tax-rate assumptions.

Frequently asked questions

Does the Roth conversion income forecast guarantee retirement income?

No. It is a deterministic projection based on the return and withdrawal assumptions you enter.

When are annual additions assumed to occur?

Each addition is placed at the beginning of the modeled year before that year's return.

Is the projected income monthly or annual?

The main result is annual; a first-year monthly equivalent appears in the secondary results.

Does the calculator reduce the balance during retirement?

No. It estimates first-year income rather than running a full retirement drawdown simulation.

Can I enter a negative expected return?

Yes, but the rate must remain above -100% so the balance calculation stays meaningful.

Forecast variables

InputRole
Annual amountAdded at the beginning of each modeled year
Withdrawal rateShare of the final balance used for first-year income

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