Pay tax now for tax-free later
Roth Conversion Tax Calculator
Converting a traditional IRA or 401(k) to Roth means paying income tax on the converted amount this year, in exchange for tax-free growth and withdrawals later. See this year's tax cost before you convert.
This year's tax cost
Extra tax from converting
$11,164
Effective rate 0.0%
- Federal tax cost$11,164
- Effective tax on conversion22.3%
- Top federal marginal rate after24.0%
- Total taxable income after$130,000
Tip: converting in a low-income year, or spreading conversions across several years, keeps each chunk in lower brackets. Ideally pay the tax from outside the account.
Figures current for 2026 · last reviewed June 2026 · sourced from the IRS (IRS Notice 2025-67). How we calculate & cite our data. Educational only — not financial advice.
Assumptions & notes
How is the conversion tax calculated?
The converted amount is added to your taxable income and taxed at ordinary rates. We compute your federal tax with and without the conversion (using the standard deduction and current brackets) and show the difference. State tax may also apply.
Why convert at all?
Roth money grows tax-free, has no required minimum distributions for the owner, and shields you from future tax-rate increases. Conversions are most attractive in lower-income years or when markets are down.
Watch the bracket creep
A large conversion can push part of your income into a higher bracket and affect things like Medicare IRMAA surcharges and ACA subsidies. Partial conversions over several years often cost less.
These are assumptions, not guarantees. Investment returns and inflation are estimates you control - markets vary and past performance does not predict future results. Tax figures use current-year IRS numbers; your situation may differ. This tool is educational and not financial advice.