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Roth Conversion Calculator

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Estimate conversion tax and compare future Roth vs pretax value.

  • 100% Free
  • No signup
  • Private & secure
  • Instant results
  • On your device

Private on your device

Your information stays on your device and is not uploaded.

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Calculate tax on a Roth conversion and compare future tax-free Roth value with the after-tax value of leaving funds pretax.

Roth conversions shine when you expect higher future tax rates or want to reduce RMD pressure. Low-income gap years after retirement before Social Security often present conversion windows.

Pay conversion tax from outside the IRA to maximize dollars compounding tax-free inside Roth.

Pro-rata rule applies to mixed deductible and nondeductible IRA balances—consult a CPA before large conversions.

How to use this tool

Enter conversion amount, taxable income before conversion, filing status, optional state tax rate, years, return, future tax rate, and whether conversion tax is paid from outside funds.

Worked example

Converting $50,000 with $80,000 of other taxable income (single) fills the remainder of lower brackets before higher ones — often a lower effective rate than applying your top marginal rate to the whole conversion.

When to use this

  • Planning bracket-filling conversions in early retirement.
  • Evaluating backdoor Roth cleanup with existing traditional IRA balances.
  • Modeling tax diversification between account types.

Common mistakes

  • Converting without cash to pay tax, shrinking the converted balance.
  • Ignoring state tax on conversion in high-tax states.
  • Converting during Medicare IRMAA years without modeling premium surcharges.

How it works

Estimates federal tax on a Roth conversion by stacking the conversion amount on top of your taxable income using simplified 2026 single/MFJ ordinary brackets, plus an optional flat state tax. Compares future after-tax Roth value versus leaving funds pretax at your assumed future rate.

Limitations

Estimates only for educational purposes. Not financial, tax, or legal advice. Verify figures with your lender, advisor, or official IRS/SSA sources before making decisions.

Privacy and file handling

Your data stays on your device and is not uploaded.

FAQ

Frequently asked questions

Should I pay tax from outside funds?

Paying tax outside often preserves more Roth principal; toggle the option to compare.

Are state taxes included?

Enter a combined ordinary rate if you want a simple blended estimate.

Is Roth Conversion Calculator free to use?

Yes. Utilnivo tools are free to use and do not require an account.

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