# Roth Conversion

*Retirement & Benefits — Finicade finance glossary*

A Roth conversion moves money from a pre-tax account to a Roth, paying income tax now to make all future growth tax-free. It pays when your current rate is below your expected future rate, which is why the low-income years between retirement and RMDs are the classic window. Filling a bracket exactly — converting up to the top of the 12% or 22% band each year — is the standard technique.

**Also known as:** Roth conversion ladder, converting to Roth

**Related terms:** [Roth IRA](https://finicade.com/glossary/roth-ira), [Traditional IRA](https://finicade.com/glossary/traditional-ira), [Required Minimum Distribution (RMD)](https://finicade.com/glossary/required-minimum-distribution), [Marginal Tax Rate](https://finicade.com/glossary/marginal-tax-rate), [Backdoor Roth IRA](https://finicade.com/glossary/backdoor-roth-ira)

Source: https://finicade.com/glossary/roth-conversion