Private Wealth Tools

Financial Planning Calculators

Institutional-grade planning tools designed for the complexity of significant wealth.

Roth Conversion Calculator

Premium Finance Strategy

Model your Roth conversion strategy with our advanced calculator. Compare a traditional IRA trajectory against a Roth conversion — with optional Premium Finance Bonus to amplify your initial conversion amount, and the flexibility to pay conversion taxes from outside funds to maximize your Roth balance.

Your Parameters

Current IRA / Pre-Tax Balance

Your current traditional IRA or pre-tax retirement account balance.

Annual Contribution

Annual contributions added to the Roth after conversion.

Current Age

Projection Years

Number of years to project. Default: 10 years.

Marginal Tax Rate

Your current marginal income tax rate applied to the conversion.

Advisory Fee Rate

Annual percentage-based advisory fee. Default: 0.95% per year.

Premium Finance Roth Bonus

Amplify your conversion amount

Bonus Percentage

Premium Finance Roth Conversion Bonus applied to your initial balance. Default: 23%.

Pay Taxes from Outside Funds

Client has outside funds to cover conversion taxes — maximizes Roth balance

Conversion Amount

$1.23M

+23% bonus applied

Tax Cost

$394K

Deducted from conversion

Roth Value (Yr 10)

$2.15M

Tax-free growth

Tax Advantage

$347K

vs. traditional IRA

Breakeven Year

Year 1

Age 51

Year-by-Year Projection

Assumes 7.000000000000001% annual growth · 0.95% advisory fee · 32% tax rate

Year	Age	Traditional IRA (After-Tax)	Roth Balance	Tax Advantage
Year 1	51	$761,600	$936,446	+$174,846
Year 2	52	$848,912	$1,042,478	+$193,566
Year 3	53	$942,336	$1,154,855	+$212,519
Year 4	54	$1,042,299	$1,273,956	+$231,656
Year 5	55	$1,149,260	$1,400,183	+$250,923
Year 6	56	$1,263,709	$1,533,963	+$270,254
Year 7	57	$1,386,168	$1,675,747	+$289,579
Year 8	58	$1,517,200	$1,826,016	+$308,816
Year 9	59	$1,657,404	$1,985,275	+$327,872
Year 10	60	$1,807,422	$2,154,064	+$346,642

Disclaimer: This calculator is for illustrative purposes only and does not constitute financial, tax, or legal advice. Results assume a constant 7.000000000000001% annual growth rate and do not account for market volatility, changing tax laws, or individual circumstances. Consult a qualified Fidelity Mutual Financial advisor before making any financial decisions.