See your current marginal tax bracket and estimate the tax impact of converting your traditional IRA or 401(k) to a Roth.
Enter your income and a conversion amount to see your tax analysis.
A Roth conversion moves money from a pre-tax account (traditional IRA or 401(k)) into a Roth IRA. You pay taxes now in exchange for tax-free growth and withdrawals later.
Conversions tend to be most advantageous when your current bracket is lower than what you expect in retirement — common in early retirement years before Social Security or RMDs begin.
You accelerate taxes today for potential savings over decades. The breakeven depends on your tax rate differential, time horizon, and whether you can pay the conversion tax from outside funds.
2026 Tax Brackets & Standard Deductions. This calculator applies 2026 federal ordinary income tax brackets: Single filers — 10% ($0–$12,400), 12% ($12,401–$50,400), 22% ($50,401–$105,700), 24% ($105,701–$201,775), 32% ($201,776–$256,225), 35% ($256,226–$640,600), 37% ($640,601+). Married Filing Jointly — 10% ($0–$24,800), 12% ($24,801–$100,800), 22% ($100,801–$211,400), 24% ($211,401–$403,550), 32% ($403,551–$512,450), 35% ($512,451–$768,700), 37% ($768,701+). Standard deductions applied: Single $16,100 · Married Filing Jointly $32,200. The calculator reduces gross income by the applicable standard deduction before determining your tax bracket. The conversion tax estimate reflects the marginal federal rate on the converted amount plus your state rate input — it does not account for itemized deductions, the alternative minimum tax, net investment income tax (3.8%), Social Security taxation thresholds, or RMD implications. Actual long-term tax savings depend on market performance, investment returns inside the Roth account, your future tax rate, and how long assets remain invested. Tax laws are subject to change. This tool is for educational purposes only and does not constitute tax or financial advice. Consult a qualified tax advisor before making any conversion decisions.
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