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Roth IRA Conversion with Distributions Calculator

Your IRA and the conversion

2026 federal brackets and RMD table

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All your traditional, SEP and SIMPLE IRAs.

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yrs

Age at the end of 2026; sets your RMD age.

yrs

60 or later.

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From these accounts, in the first year of withdrawals.

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Federal plus state, including RMDs.

yrs
More options
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From Form 8606. Spread pro rata over every conversion and withdrawal.

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For the tax money left invested if you don’t convert, and for RMDs you don’t spend.

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Convert or keep

Converting changes spending plus legacy by

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Conversion tax

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Lifetime spending, convert

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Lifetime spending, keep

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Side by side

Left to heirs after tax (convert / keep)–
Money lasts to (convert / keep)–
First RMD (convert / keep)–
Tax on IRA withdrawals and RMDs (convert / keep)–
Taxable part of the conversion–
Federal / state tax on it–
Federal marginal rate–
Amount reaching the Roth IRA–

Each year’s RMD is taken first and unspent RMDs are reinvested in a taxable account; spending then comes from taxable savings, the traditional IRA and the Roth IRA, in that order. Roth IRAs have no RMDs for the owner. Not included: Medicare premium (IRMAA) and Social Security tax effects.

Year-by-year withdrawals

Spending, RMDs and the total of all accounts at the end of each year (traditional IRA before tax).

AgeSpending, convertSpending, keepRMD, convertRMD, keepRoth IRAAll accounts, convertAll accounts, keep

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

Convert part of your traditional IRA now, then draw retirement spending and RMDs for life, and compare total after-tax spending and what is left for heirs with and without the conversion. If you want to see how the figures change, the free roth ira calculator gives you an instant result you can adjust as you go.