How this estimate works
Compares tax-free Roth growth with the after-tax value of keeping funds pre-tax, including the opportunity cost of conversion tax.
2026 planning tool
Roth 401(k) Conversion Calculator
Explore the potential long-term tradeoff of converting pre-tax retirement funds to Roth.
Important limitations
This calculator is an educational estimate. Actual results depend on the taxpayer, employer plan, payroll system, and facts not entered.