Should you convert your Traditional IRA to a Roth IRA? This calculator helps you to determine the most advantageous option. There are three different input options for calculating contributions to these accounts. All three options take into consideration tax implications and the characteristics of both Traditional and Roth IRAs. This calculator also considers your age, your expected length of retirement, and how much you wish to leave for heirs. Input your estimated rate of return on your deposits, as well as your current and expected future income tax bracket. When you convert to a Roth IRA, you owe income taxes on the amount you are converting. So, if you decide to convert, make sure you have the funds to pay the taxes on the conversion.