Andy R’s Roth Conversion Simulator
Run Simulation
Download CSV
Export PDF
Inputs & Toggles
Initial Balance ($)
Scenario
Low
Mid
High
Custom
Custom Return (%)
Low Return (%)
Mid Return (%)
High Return (%)
Expense Ratio (annual, %)
Include Contributions?
Yes
No
Contribution Mode
Both
Annual
Monthly
None
Annual Contribution ($)
Monthly Contribution ($)
Apply 5‑Year Withdrawal (subtract conversion amount at end of year 5)
Conversion Amount ($)
Chart Horizon (years)
5
10
15
20
25
30
Monte Carlo
Volatility (annual, %)
Paths (max 1000)
Random Seed
Presets
Preset Name
Saved Presets
>
Save Preset
Load Preset
Delete Preset
Chart
Deterministic (with 5‑yr rule toggle)
Deterministic (No 5‑yr withdrawal)
MC Median
P10–P90 Band
Year‑by‑Year (Deterministic)