Roth Conversion Calculator
See the federal tax cost of a Roth conversion and the bracket it pushes you into this year.
Federal tax on conversion $5,500.00
Effective rate on converted amount 22%
Marginal bracket after conversion 22%
Future value if left to grow $96,742.11
How it's calculated
The calculator taxes your income with and without the conversion; the difference is the conversion cost. Converting in a lower-income year, or up to the top of a bracket, keeps the effective rate down.
Assumptions
- The converted amount is added to your ordinary income for the year and taxed at 2026 federal brackets. — IRS Rev. Proc. 2025-32
- Assumes you pay the conversion tax from outside funds. State tax and IRMAA effects are not modeled.
Last updated: 2026-08-07 · Tax year 2026
These assumptions follow our general methodology.
Frequently asked questions
When does a Roth conversion make sense?
Often when your current tax rate is lower than the rate you expect in retirement, or in a low-income year before Social Security and RMDs begin.
What is the five-year rule?
Each conversion generally must season five years before its converted principal can be withdrawn penalty-free. Talk to a tax professional about your situation.
Related calculators
Federal Income Tax Calculator (2026) Calculate your federal income tax on a given taxable income, with a clear bracket-by-bracket breakdown. Mega Backdoor Roth Calculator Calculate the extra after-tax 401(k) contributions you can make and convert to Roth, on top of your normal deferral and employer match. IRA Growth Calculator See how regular IRA contributions can grow over time with monthly compounding.