Roth Conversion — Educational
A plain-language look at one trade-off: paying tax on a conversion now versus the tax you'd otherwise owe on that money later. This is education, not a recommendation to convert anything.
Tax cost today
$6,600
$30,000 converted at 22%.
Tax avoided at horizon
$27,862
On a projected $116,091 balance in 20 years.
Net educational benefit (undiscounted)
+$21,262
Tax avoided later minus tax paid now, in nominal dollars — not adjusted for the time value of money or for paying the conversion tax out of the converted funds themselves.
What this means
A conversion tends to look better on paper the more your expected retirement tax rate exceeds your rate today — this tool assumes you pay the conversion tax from money outside the account, which matters a lot in practice. This is not financial, tax, or investment advice; it is a simplified, educational comparison of two numbers. A tax professional who knows your full picture is the right place to take this next.