Roth Conversion Tax Calculator

Estimate the additional federal and state income tax created by converting money from a traditional IRA to a Roth IRA. This calculator uses 2026 federal tax brackets and is designed as an educational planning tool.

Your tax situation

Enter taxable income, not gross income. Use your best estimate before the Roth conversion.
For an entirely pre-tax traditional IRA, this will usually be 100%. After-tax basis can change the taxable portion. See the IRS Form 8606 rules.

Optional state tax estimate

Enter 0 if you want a federal-only estimate. This is a simple marginal-rate estimate, not a state tax calculation.
Paying tax from outside funds leaves the full conversion amount in the Roth. Paying tax from the conversion reduces the amount that reaches the Roth.

Compare common conversion amounts

This table uses your filing status, estimated taxable income, taxable percentage, and state rate above. It updates as you change those inputs.

Conversion Federal tax Combined tax Marginal bracket reached Room to next bracket

“Room to next bracket” means remaining taxable-income space after the conversion before reaching the next federal marginal bracket. A dash means the 37% bracket has already been reached.

Estimated result

$0
Estimated additional federal and state tax caused by the conversion
Federal tax from conversion$0
Estimated state tax$0
Federal effective rate on conversion0%
Estimated amount entering Roth$0
Your conversion has not been calculated yet.

Important: This is an estimate, not tax advice or a tax return. It does not calculate credits, deductions, capital gains, Medicare IRMAA, Social Security taxation, alternative minimum tax, state-specific rules, or every IRA basis rule. A Roth conversion generally makes untaxed traditional IRA amounts taxable in the conversion year. IRS rules can change, so verify the result with current IRS guidance or a qualified tax professional before acting.