Roth Conversion Calculator
See the 2026 tax cost of converting a traditional IRA or 401(k) to a Roth — the extra federal and state tax, the bracket you land in, and how much you can convert while staying in your current bracket.
Estimates only — not tax advice. Tax rules change and depend on your situation; check with the tax authority or a tax professional.
How to use
- 1Enter your taxable income before the conversion and filing status.
- 2Enter the amount to convert and your state rate.
- 3See the extra tax and the room left in your bracket.
How it's calculated
Conversion tax = tax(taxable income + conversion) − tax(taxable income), plus state tax. Bracket room = top of current bracket − taxable income.
Frequently asked questions
When does a Roth conversion make sense?
When your tax rate now is lower than you expect in retirement — e.g. early retirement years, a low-income year, or before required minimum distributions start.
Should I pay the tax from the IRA?
Ideally no — paying from other savings leaves more money growing tax-free in the Roth, and under age 59½ the withheld part may be penalized.
Can I undo a conversion?
No — recharacterizing conversions was eliminated in 2018.