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Should You Convert to a Roth IRA?
If you already have a Traditional IRA, you may be considering whether to convert it to a Roth IRA. One of the most important factors in the decision is what you expect your tax bracket to be in retirement. If you believe that your tax rate will significantly increase in retirement, it may be better to pay taxes now and convert to a Roth IRA . However, if you believe that your tax rate will be less in retirement, a Traditional IRA may the better choice. Use the calculator below to examine your own situation.
Please enter the following information:
1.Current age
2.What age do you plan to retire?
3.Projected tax rate at retirement %
4.Assumed earnings rate %
5.Amount you wish to convert from your existing IRA to a Roth IRA $
6.How much of this was taxed before your contribution? $
7.Tax rate on conversion if recognized in 2016 %
8.What will be the source for your tax payments on the converted amount? Side Account
IRA Itself
9.Capital gains rate %
Note: Withdrawals from an IRA before age 59½ are generally subject to a 10% early penalty. Also, withdrawals from a Roth IRA that has been open for fewer than five years may be subject to tax and penalties.

Additional Information
The Roth Conversion calculator is for educational and illustrative purposes only; the results are purely hypothetical and are not a guarantee of specific outcomes. It is not meant to represent the performance or risk of any specific product and cannot be used to predict or project future investment performance. Higher rates of return are associated with higher risk.
You should always consult with your own tax advisors to evaluate your particular situation.
TIAA-CREF Individual & Institutional Services, LLC, Nuveen Securities, LLC, and Teachers Personal Investors Services, Inc., members FINRA, distribute securities products.

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