Roth Conversion Tax Calculator

How to do it

1. 1
   Step 1: Open Roth Conversion Tax Calculator and add your input

   Type your numbers or text, add your file, or pick the options you need. Nothing is uploaded: everything stays in your browser.

2. 2
   Step 2: What Roth Conversion Tax Calculator does

   See the federal tax on a Roth IRA conversion and how much fits in each tax bracket.

3. 3
   Step 3: Read the result and compare

   The result appears at once. Change one value to see how the answer moves, then keep the figure that fits your case.

4. 4
   Step 4: Copy or save it

   Copy the result or download it. For an important decision, confirm it with the official source or an adviser.

About this tool

Enter your taxable income before the conversion and the amount you plan to convert. The calculator shows the federal tax on the conversion, your bracket before and after, and a table of how much you can convert before reaching the top of each bracket.

Why bracket room matters

A conversion is added to your taxable income for the year, so it is taxed at your ordinary rates. Converting a little each year and staying inside a bracket (for example filling the 22% bracket) often costs less than converting everything in one year.

How the tax is found

The tool subtracts the federal tax on your income without the conversion from the tax with it, using the brackets of the tax year you pick. Taxable income means income after the standard or itemized deduction.

Other effects to watch

A conversion can raise Medicare premiums two years later (IRMAA), reduce credits and make more of your Social Security taxable. State tax is a flat rate you enter. If you pay the tax from the IRA itself, part of the converted money is lost to tax and, before age 59½, can be penalized.

Worked example

Single in 2026 with $60,000 of taxable income converting $40,000: federal tax is $8,800 (22% of the conversion), you stay in the 22% bracket, and the table shows that $45,700 can be converted before the 24% bracket starts.

Tips for best results

Check every box before you rely on a result, because one wrong digit changes the whole answer. Use the exact figures from your payslip, bill, certificate or contract, and keep a note of the date you calculated. Rates, thresholds and rules change from time to time, so for tax, fees and legal matters treat the output as an estimate and confirm with the official source named on this page. You can run as many scenarios as you like; nothing is saved or sent, and refreshing the page clears the boxes.