Tool · Save tax
Roth conversion calculator
See the exact tax you'll owe on a conversion today vs. the tax you'd pay on the same money in retirement — and whether converting pencils out.
Your situation
Total pre-tax retirement balance.
The portion you move from Traditional → Roth.
W-2 wages, self-employment, etc. Does not include the conversion.
⚠ Consider
Converting might make sense — run the numbers on a smaller amount.
Tax on conversion today
$12,000
Effective rate on conversion: 24.0%
Tax owed in retirement (if you wait)
$42,567
At 22% on $193,484
Roth balance in 20 yrs
$193,484
Tax-free at withdrawal
Traditional after-tax in 20 yrs
$150,918
After 22% retirement tax
Staying in Traditional saves $3,870 — your current effective rate on the conversion (24.0%) exceeds your expected retirement rate (22%).
Bracket impact
Marginal bracket without conversion
24%
Marginal bracket with conversion
24%
Uses 2026 federal brackets + standard deduction. Does not model state income tax or the effect of RMDs on future taxable income.
Open a Roth IRA to receive the conversion
All three offer free Roth IRAs with no minimums for conversions.