Tools · Roth Conversion Calculator
Roth conversion
calculator.
If you expect your retirement tax rate to be higher than it is now, convert Traditional dollars to Roth in low-income years (gap years, early retirement, sabbaticals). This tool sizes the optimal conversion to fill your current bracket without spilling into the next one.
READING TIME: 3 MIN
US federal brackets 2026 (projected from Rev. Proc. 2025 inflation adjustments). State income tax is not modeled; add your state bracket to the projections.
Wages, taxable interest, rental income, Social Security (taxable portion), etc. Excludes the conversion itself.
OPTIMAL CONVERSION
$0
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CURRENT BRACKET
0%
NEXT BRACKET STARTS AT
$0
TAX COST THIS YEAR
$0
BREAK-EVEN ANALYSIS
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RECOMMENDATION
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What this tool assumes
- Current-year tax uses the 2026 projected marginal brackets for your filing status.
- Retirement-year tax uses the marginal bracket you enter.
- Conversion tax is paid from non-retirement funds (ideal). Paying from the conversion reduces the math.
- The 5-year clock on each conversion before principal can be withdrawn penalty-free is not modeled; plan accordingly.
- No RMDs, IRMAA Medicare surcharges, or NIIT impact is modeled.
- State income tax is not modeled; add your state bracket to the projected impact.
Related
Roth conversions are complex. Coordinate with a CPA before executing large conversions. Educational only; not financial advice.