CALCULATOR
Roth Conversion Break-Even Calculator
A Roth conversion means paying tax now so that the money — and all of its future growth — is never taxed again. The question is whether it pays off, and when. This calculator finds your break-even: the year the tax you paid to convert is earned back, and the later year the Roth pulls ahead of simply doing nothing. It runs on source-verified 2026 figures and the same framework as The 30-Day Roth Accelerator Handbook, so you can see the trade-off in plain arithmetic instead of a sales pitch.
Run it on your own numbers
Frequently asked
What is a Roth conversion break-even?
The break-even is the year the tax you paid to convert is earned back by the Roth's tax-free growth, and the later year the Roth pulls ahead of simply doing nothing. It's how you tell whether a conversion pays off — and when — instead of guessing.
One number is a clue. Your plan is the answer.
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Illustrative and educational only — not tax, legal, or investment advice. Figures are a 2026 snapshot and change.