Calculators

IRA Analyzer

Should I invest in a Roth IRA or a traditional IRA? Should I convert my traditional IRA to a Roth IRA? This tool will help you analyze each of these questions and can help you determine which alternative is right for you and/or your spouse.

When you have completed this program you should:

Understand the characteristics of IRAs and see whether a traditional IRA or a Roth IRA is best for you.
See how much you could have in each of these accounts at your chosen retirement age with equivalent contributions based on hypothetical investment returns.
Understand how much income each of these accounts could generate for you during your retirement based on hypothetical investment returns.
Determine whether you are eligible to convert a traditional IRA into a Roth IRA and whether a conversion makes sense for you.

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The calculators provide hypothetical examples and are not intended to represent past or future performance of a specific investment which cannot be predicted or guaranteed, or to provide specific advice to any individual. Rates of return will vary over time. Those investments offering a higher rate of return also involve a higher degree of risk.