Estimate the annual retirement income that a Roth conversion strategy could support after a chosen growth period. The calculator compounds a starting Roth balance plus a recurring annual amount, then applies a user-selected withdrawal rate to the projected balance. It can help compare conversion sizes, savings periods, and retirement-income targets without assuming a specific tax bracket. The result is a planning estimate, not a promise of investment performance or a determination that future withdrawals will be qualified distributions.
1. Enter your current Roth balance
Include only the balance you want modeled.
2. Add a recurring amount
Use expected annual conversions or other modeled additions.
3. Set years to retirement
Choose how long contributions and growth continue.
4. Choose a growth assumption
Use a scenario rate rather than an expected guarantee.
5. Enter a withdrawal rate
This converts the future balance into a first-year income estimate.
The calculator assumes one addition per year before that year's growth and uses a constant annual return.
The withdrawal rate is a planning input, not an IRS distribution requirement or a safe-withdrawal recommendation.
The main result is the modeled first-year annual withdrawal supported by the selected percentage of the projected Roth balance.
Actual investment returns, contribution timing, taxes on conversions, and Roth distribution qualification can change the outcome.
Given
Calculation
Repeat B(t+1) = (B(t) + $15,000) × 1.06 for 15 years, then multiply the final balance by 0.04.
Result
Projected balance is about $609,744 and estimated annual income is about $24,390, or about $2,032 per month.
The income estimate is a percentage-of-balance scenario, not a guaranteed retirement paycheck.
No. It is a modeling input. If you use conversion amounts, remember that taxable portions of conversions generally enter gross income in the conversion year.
The model uses a simple annual convention so scenarios are easy to compare. Real contributions and conversions occur on different dates, so actual results will vary.
No. The withdrawal rate is entirely user-selected and should reflect your own planning assumptions.
No. Roth IRAs owned by the original owner generally do not have lifetime required minimum distributions, but this calculator is not an RMD tool.
Yes. Keep the return and withdrawal assumptions constant, change the annual added amount or timing horizon, and compare projected income.