Keep pre-tax, after tax
—
Roth conversion
Keep the pre-tax balance, or convert it to Roth today and pay the tax now.
Convert to Roth
—
Tax due today
—
Tax at distribution
—
Break-even future bracket
—
| Keep pre-tax | Convert to Roth | |
|---|---|---|
| Starting balance | — | — |
| Growth rate | — | — |
| Balance at distribution | — | — |
| Tax at distribution | — | $0 |
| After-tax value | — | — |
After-tax value over time
- Keep pre-tax (after tax)
- Convert to Roth