---
title: "Roth vs. Traditional Conversion Estimator"
method: POST
path: "/v1/tools/estimate_roth_conversion"
tags: ["Roth", "IRA", "401k", "conversion", "tax planning", "retirement", "personal finance"]
---

# Roth vs. Traditional Conversion Estimator

`POST /v1/tools/estimate_roth_conversion`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/estimate_roth_conversion`
- Auth: none declared

Models the tax impact and long-term benefit of converting traditional IRA/401k to Roth. Outputs breakeven age, bracket analysis, net lifetime advantage. Zero PII. Client-side. Works offline.

**Tool URL:** https://ainumbers.co/tools/169-roth-traditional-conversion-estimator.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `current_age` number, required
  - `retirement_age` number, required
  - `conversion_amount` number, required
  - `current_tax_rate_pct` number, required
  - `expected_retirement_tax_rate_pct` number, required
  - `expected_return_pct` number, required
  - `state_tax_rate_pct` number

## Response `200`

Successful tool execution result

- object
  - `tax_cost_now` number
  - `roth_balance_at_retirement` number
  - `traditional_after_tax_at_retirement` number
  - `net_advantage_roth` number
  - `breakeven_age` number, nullable
  - `verdict` 'Favor Roth' | 'Favor Traditional' | 'Borderline'

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)