Roth IRA Conversion Tax Calculator
Converting pre-tax retirement savings to a Roth account triggers income tax on the converted amount. Enter your current taxable income, the amount you plan to convert, and your marginal tax rate to estimate the additional tax bill.
About this calculator
Estimate the extra federal income tax you'll owe this year if you convert traditional IRA or 401(k) funds to a Roth account.
Frequently Asked Questions
Does this account for tax bracket changes from the conversion?
This calculator applies a flat marginal rate you provide. Large conversions can push you into a higher bracket, so consider using a blended rate or consulting a tax professional for precise bracket-by-bracket estimates.
Is the converted amount taxed as ordinary income?
Yes, amounts converted from pre-tax traditional retirement accounts are generally taxed as ordinary income in the year of conversion.
Can I pay the conversion tax from the IRA itself?
You can, but it's generally better to pay the tax from outside funds so the full converted amount keeps growing tax-free in the Roth account.