Roth Conversion Calculator

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.

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.

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