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Roth IRA Conversion Calculator

Enter your conversion details

2026 federal tax brackets

$
$

This year, after deductions.

%

Flat rate your state charges on the conversion. Use 0 if none.

Paying from savings lets the full amount grow tax-free.

yrs
yrs
%
%

Federal plus state rate on withdrawals.

More options
$

Nondeductible contributions from Form 8606 that apply to this conversion (pro-rata rule). This part is not taxed.

%

If you don’t convert, the money you would have paid in tax stays invested in a taxable account.

Your results

Tax cost of converting now

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Roth IRA if you convert

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If you don’t convert

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Ahead at withdrawal

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Tax on the conversion (2026)

Taxable part of the conversion–
Extra federal income tax–
State income tax–
Effective rate on the conversion–
Federal marginal rate–
Room left in your current bracket–
Amount that reaches the Roth IRA–
Break-even retirement tax rate–

Not included: effects of the extra income on Medicare premiums (IRMAA), Social Security taxation, the senior deduction, credits and the 3.8% investment income tax. Each conversion starts its own 5-year period before converted amounts can be withdrawn under age 59½ without the 10% additional tax.

Convert or keep: year by year

Values at the end of each year, after the tax you would owe on withdrawal.

AgeRoth IRA (convert)Traditional IRA after taxTax money investedDon’t convert, totalDifference

Results are estimates for educational purposes and are not financial, tax or legal advice.

Estimate the tax you would pay to convert a traditional IRA to a Roth IRA this year, and compare what you would have after tax at retirement if you convert or leave the money where it is. Next, open the free roth ira calculator and enter your own details to see an estimate in seconds.