Should You Convert to Roth?
Pay tax now at today's rate — or pay tax later on a much larger balance? Model the long-arc tradeoff before you commit.
Leave in Traditional
$394,708
After-tax value in 20 years
Convert to Roth Now
$462,040
Tax cost today: $36,000
Roth Advantage
$67,333
Educational tool. A real Roth conversion analysis must account for IRMAA, ACA subsidies, state tax, the 5-year rule, RMD avoidance, beneficiary planning, and the source of conversion-tax dollars. Consult a fiduciary advisor.
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