Convertir IRA Roth

La IRA Roth (IRA del Inglés Individual Retirement Account) fue introducida en 1997. Desde entonces, muchas personas han convertido todo o parte de su IRA Tradicional a una IRA Roth, donde los intereses ganados pueden ser completamente libres de impuestos. ¿Es esta una buena opción para usted? Una conversión tiene ventajas y desventajas que deben ser consideradas cuidadosamente antes de tomar una decisión. Esta calculadora estima el cambio del valor neto en el momento de su jubilación, si usted convierte su IRA Tradicional a un IRA Roth.

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By changing any value in the following form fields, calculated values are immediately provided for displayed output values. Click the view report button to see all of your results.

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Las entradas del IRA:

Cantidad a convertir:*This entry is required.Enter an amount between $0 and $10,000,000

Contribuciones no-deducibles:*This entry is required.Enter an amount between $0 and $1,000,000

Edad actual:*This entry is required.Enter an amount between 1 and 72

Edad al retirarse:*This entry is required.Enter an amount between 13 and 115

Tasa de rendimiento:*This entry is required.Enter an amount between 0% and 20%

Tasa de interés actual:*This entry is required.Enter an amount between 0% and 50%

Tasa de impuesto al jubilarse:*This entry is required.Enter an amount between 0% and 50%

Tasa de impuesto de inversión:*This entry is required.Enter an amount between 0% and 50%

**FIG_GRAPHTITLE** Column Graph: Please use the calculator's report to see detailed calculation results in tabular form.

Resultados de una conversión a Roth

Definitions

Cantidad a convertir

La Cantidad a convertir de una cuenta IRA Tradicional a una IRA Roth. Es importante notar que algunos hogares con ingresos altos no califican para una conversión al IRA Roth. Actualmente, cualquier persona con un ingreso bruto ajustado mayor de $100,000 no puede hacer una conversión al IRA Roth. Para los propósitos de esta calculadora, nosotros asumimos que sus ingresos no limitan su habilidad de convertir a una IRA Roth.

Contribuciones no-deducibles

La cantidad contribuida a la IRA Tradicional (la cual no fue deducible de impuestos) que usted está convirtiendo.

Edad actual

Edad al retirarse

Edad de jubilación deseada

Tasa de rendimiento

Tasa de rendimiento esperada en sus inversiones. The actual rate of return is largely dependent on the types of investments you select. The Standard & Poor's 500® (S&P 500®) for the 10 years ending December 31^st 2024, had an annual compounded rate of return of 14.9%, including reinvestment of dividends. From January 1, 1970 to December 31^st 2024, the average annual compounded rate of return for the S&P 500®, including reinvestment of dividends, was approximately 11.2% (source: www.spglobal.com). Since 1970, the highest 12-month return was 61% (June 1982 through June 1983). The lowest 12-month return was -43% (March 2008 to March 2009). Savings accounts at a financial institution pay less but carry significantly lower risk of loss of principal balances.

It is important to remember that these scenarios are hypothetical and that future rates of return can't be predicted with certainty and that investments that pay higher rates of return are generally subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, especially for long-term investments. This includes the potential loss of principal on your investment. It is not possible to invest directly in an index and the compounded rate of return noted above does not reflect sales charges and other fees that investment funds and/or investment companies may charge.

Tasa de interés actual

Tasa de impuesto marginal actual. Puede utilizar la siguiente tabla para ayudarle a determinar su actual tasa de impuesto.

Estado Personal y Tasa Contributivas 2025^*
Tasa Contributiva	Casado rindiendo juntos o Viudo	Soltero	Jefe de familia	Casados declarando separadamente
10%	$0 - $23,850	$0 - $11,925	$0 - $17,000	$0 - $11,925
12%	$23,850 - $96,950	$11,925 - $48,475	$17,000 - $64,850	$11,925 - $48,475
22%	$96,950 - $206,700	$48,475 - $103,350	$64,850 - $103,350	$48,475 - $103,350
24%	$206,700 - $394,600	$103,350 - $197,300	$103,350 - $197,300	$103,350 - $197,300
32%	$394,600 - $501,050	$197,300 - $250,525	$197,300 - $250,500	$197,300 - $250,525
35%	$501,050 - $751,600	$250,525 - $626,350	$250,500 - $626,350	$250,525 - $375,800
37%	Más de $751,600	Más de $626,350	Más de $626,350	Más de $375,800
^*Cuidado: No utilice estas tasas contributivas para computar los impuestos del 2024. Solo utilizar para calcular estimados para el 2025.

Tasa de impuesto al jubilarse

Tasa de impuestos marginal esperada al jubilarse

Tasa de impuesto de inversión

Tasa de impuesto marginal esperada para inversiones (basada en las tasas de ganancia de capital esperadas).

Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.