Roth Conversion Calculator

Welcome to our Roth Conversion Calculator powered by AmeriLife. Our goal is to give you important information re: how much money you can save in taxes during your retirement years by implementing a Roth Ladder Conversion over time.

Please do not consider this calculator as offering tax advice or financial planning. We offer this Roth Conversion Calculator at no cost to you for informational purposes only.

Roth Ladder Conversion is the process of converting a portion of your IRA to your ROTH IRA each year. Investors must wait five years after the opening of a ROTH IRA account or from implementing a Roth conversion. Once ROTH IRA account holders have waited for the 5-year waiting period to pass, they can access their principal and gains completely TAX-FREE!

Our definition of truly TAX-FREE investment is:

  1. Principal and Gains are free from any taxation
  2. There are no Required Minimum Distributions from the account by the IRS
  3. Withdrawals from the account are not counted by the IRS as ordinary income
  4. Withdrawals from the account do not contribute to additional taxation on the Social Security benefits the account holder receives
  5. Withdrawals from the account do not contribute to additional Medicare surcharges for the account holder.

ROTH IRAs and Life Insurance are the only two truly tax-free investments available in the US. Even interest from Municipal Bonds contribute to taxation on your social security income benefits and Medicare surcharges for the investor.

Owner Information

Withdrawal Information

Income Tax

Results

Total Roth Federal Income Taxes: $0.00
Total Roth State Income Taxes: $0.00
Total Traditional Federal Income Taxes: $0.00
Total Traditional State Income Taxes: $0.00

Projected Tax Savings with a Roth Conversion: $0.00

That’s an effective tax rate of 0% vs 0% with your current IRA account
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