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Roth IRA Conversion Calculator

The Roth IRA Conversion Calculator shows you whether it might be worth converting your Traditional IRA to a Roth IRA. It is for directional purposes only. The calculator takes into account whether you pay your conversion taxes out of IRA proceeds or pull them from other sources.

The results shown are

  • A Traditional deductible IRA
  • Result of conversion to a Roth IRA (with taxes paid with funds from the IRA distribution)
  • Result of conversion to a Roth IRA (with taxes paid with funds obtained outside of the IRA distributions)

Keep in mind, withdrawals from a deductible IRA will be subject to taxes based on your tax rate at the time of the withdrawal.

There are many considerations around a Roth conversion. Running the numbers is one. You should consult with your tax advisor to determine if a Roth IRA conversion is right for you.

*The results reflected are estimated only and do not include a yearly IRA contribution. Actual results may vary.

© , VisualCalc, Inc.

This calculator is provided by a third-party not affiliated with Merrill or any of its affiliates. It is provided for general educational purposes only. The analysis generated by the calculator is based on information you provide and a variety of assumptions, which may include assumptions and projections about inflation rates, and account growth. Such assumptions and projections, as well as the report generated on the basis of such assumptions and projections, in no way are intended to predict or guarantee future inflation rates and investment performance of your investment. The accuracy of the analysis is dependent on the accuracy of such assumptions and projections. On calculators which require you to select an anticipated investment return, consideration should be given to factors affecting your potential return such as investment objectives, risk tolerance, and the time horizon for the investment.You should enter figures that are appropriate to your individual situation. As a result your actual experience is likely to vary, in some cases significantly, from the potential results suggested by the analysis.

If you have other assets, income, and investments that are not included in this analysis, they will not factor into any of the analysis or results. In applying this information to your individual situation, you should consider all of your assets, income, and investments, including those that are not taken into account in this analysis.