<b>Should I Convert to Roth?</b><p>Based on the assumptions you provided, your current Savings Plan account might generate a monthly retirement income of $0. If you convert to Roth, you might generate a monthly income of $0. The estimated tax due for this conversion is $0.</p><p>This calculation doesn't model changing your <b>future contributions</b> to Roth. To get more information about changing your contributions use the Compare Roth Versus Before-Tax calculator.</p> <div id="chart1Container">Chart will load here</div> <script type="text/javascript"> <!-- var myChart1 = new FusionCharts( "MSColumn2D", "myChart1Id", "100%", "100%", "0", "1" ); myChart1.setXMLData("<chart showValues='1' showFCMenuItem='0' decimals='0' formatNumberScale='0' caption='Estimated Monthly Retirement Income' xAxisName='' numberPrefix='$' bgColor='FFFFFF' showBorder='1' borderColor='FFFFFF' borderThickness='1' canvasBgColor='ffffff' showAlternateHGridColor='0' plotGradientColor='' numberSuffix='' thousandSeparator=',' decimalSeparator='.'><categories><category label='' /></categories><dataset seriesName='Current Savings Plan'><set value='0.0' /></dataset><dataset seriesName='Roth Conversion'><set value='0.0' /></dataset><dataset seriesName='Estimated Tax Due on Conversion'><set value='0.0' /></dataset></chart>"); // --> </script> <table class='pure-table' role='grid'><tr><th colspan='3' class='section'>Roth Savings Conversion Analysis</th></tr><tr><th class='section'>Conversion Phase</th><th scope="col">Current Savings Plan</th><th scope="col">Roth Conversion</th></tr><tr><td>Current savings plan balance:<br/>(from taxable balance)</td><td>$0</td><td>n/a</td></tr><tr><td>Current savings plan balance:<br/>(from nontaxable balance)</td><td>$0</td><td>n/a</td></tr><tr><td>*Personal savings account balance</td><td>$0</td><td>n/a</td></tr><tr><td>Roth conversion amount: (before-taxes)</td><td>n/a</td><td>$0</td></tr><tr><td><b>Total adjusted beginning comparison balance</b></td><td><b>$0</b></td><td><b>$0</b></td></tr><tr><th class='section'>Accumulation Phase</th><th scope="col">Current Savings Plan</th><th scope="col">Roth Conversion</th></tr><tr><td>Estimated savings plan balance:<br/>(from taxable balance)</td><td>$0</td><td>n/a</td></tr><tr><td>Estimated savings plan balance:<br/>(from nontaxable balance)</td><td>$0</td><td>n/a</td></tr><tr><td>*Estimated personal savings account balance</td><td>$0</td><td>n/a</td></tr><tr><td>Estimated Roth balance</td><td>n/a</td><td>$0</td></tr><tr><td><b>Estimated value at retirement: (before-taxes/after penalties)</b></td><td><b>$0</b></td><td><b>$0</b></td></tr><tr><th class='section'>Distribution Phase</th><th scope="col">Current Savings Plan</th><th scope="col">Roth Conversion</th></tr><tr><td>Estimated annual after-tax income:<br/>(from taxable balance)</td><td>$0</td><td>n/a</td></tr><tr><td>Estimated annual after-tax income:<br/>(from nontaxable balance)</td><td>$0</td><td>n/a</td></tr><tr><td>*Estimated after-tax personal savings account income</td><td>$0</td><td>n/a</td></tr><tr><td>Estimated Roth conversion income</td><td>n/a</td><td>$0</td></tr><tr><td><b>Estimated total annual after-tax income</b></td><td><b>$0</b></td><td><b>$0</b></td></tr><tr><td><b>Estimated total monthly after-tax income</b></td><td><b>$0</b></td><td><b>$0</b></td></tr><tr><td><b>(from taxable balance)</b></td><td><b>n/a</b></td><td><b>$0</b></td></tr></table>* This calculation assumes you have a taxable personal savings account or investment account that you'd use to pay the tax if you choose to do a conversion. If you don't choose to do a conversion, it will become part of your retirement income.