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Roth Conversion Calculator
Roth Conversion Calculator
Estimate the federal tax cost of converting traditional IRA or 401(k) money to a Roth account.
Your Information
Use estimated AGI before the conversion. Include wages, pensions, taxable IRA withdrawals, interest, dividends, and other taxable income.
For 2026, the standard deduction is $16,100 single or MFS, $32,200 joint, and $24,150 head of household.
Optional. Enter 0 if your state has no income tax or you want a federal-only estimate.
Estimated Result
Enter your information and calculate your estimate.
Estimated additional tax from conversion: $0 0% effective tax cost on the conversion
Federal Tax Increase$0
Estimated State Tax$0
Taxable Income Before$0
Taxable Income After$0
| Item | Before | After | Change |
|---|---|---|---|
| Estimated AGI | $0 | $0 | $0 |
| Deduction Used | $0 | $0 | $0 |
| Federal Income Tax | $0 | $0 | $0 |
| Estimated State Tax | $0 | $0 | $0 |
This calculator is for educational purposes only and uses 2026 federal tax brackets and standard deduction amounts. It provides a simplified estimate of the incremental tax from a Roth conversion. It does not calculate Social Security taxation, capital gains stacking, qualified dividends, AMT, NIIT, credits, phaseouts, self-employment tax, penalties, state-specific rules, or your full tax return. Roth conversions can also affect Medicare IRMAA, ACA subsidies, financial aid, and other income-based items. Consult a qualified tax professional before making a conversion.
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- Retirement Planning
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