Roth Conversion Calculator
After decades of contributions, your 401(k) is subject to RMDs and taxes. A Roth conversion can lock in today's tax rates - see if it makes sense for your situation.
Conversion Details
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Enter your details on the left and click Calculate to see your personalized Roth conversion analysis.
Converting to Roth? Consider Gold IRA Diversification
While you're thinking about tax-free growth with a Roth conversion, consider diversifying with a Gold IRA for inflation protection. Gold has historically maintained purchasing power and can provide a hedge against market volatility.
- Tax-free growth in Roth Gold IRA
- Protection from inflation and currency devaluation
- Portfolio diversification beyond stocks and bonds
After 30+ years of saving, protect your nest egg with physical gold. Tax-free growth in a Roth Gold IRA - no RMDs, no market anxiety.
When to Consider a Roth Conversion
Roth conversions can be powerful tax planning tools, but timing and circumstances matter.
Good Scenarios
- • Low-income year (job loss, sabbatical)
- • Expect higher future tax rates
- • Long time horizon (10+ years)
- • No immediate need for funds
Be Cautious
- • Near retirement age
- • High current income
- • Large conversion triggering higher brackets
- • No cash to pay taxes
Pro Tips
- • Consider partial conversions over multiple years
- • Convert during market dips
- • Pay conversion tax from outside account
- • Consult a tax professional
Ready to Protect Your Retirement?
Whether you're converting to a Roth or diversifying your portfolio, Augusta Precious Metals can help you understand how gold fits into your retirement strategy. Get a free consultation with no high-pressure sales.
Important Disclaimer
This calculator provides estimates for educational purposes only and is not tax or financial advice. Roth conversions have complex tax implications. Tax brackets and rules change. Always consult with a qualified tax advisor or financial planner before making conversion decisions. Past performance does not guarantee future results.