Roth Conversion Calculator · 2026

Should I Convert to a Roth IRA?

A Roth conversion means paying income tax now on money in a traditional IRA or 401(k) so it can grow and come out tax-free later. See the tax bill today and whether converting leaves you with more money in retirement.

Conversion Details

Amount to convert

How much you would move from a traditional account into a Roth.

Your federal tax bracket now The rate on your last dollars of income. In 2026 the 22% bracket covers taxable income of $50,400–$105,700 (single) or $100,800–$211,400 (married filing jointly).

Tax bracket you expect in retirement

Years until you retire

Where the tax money comes from

Your age now

Under age 59½, money taken out of the conversion to pay the tax is hit with an extra 10% penalty.

Expected yearly return

Conversion Analysis

Tax due now

Converting pulls ahead after

Never

If you convert (Roth, tax-free)

If you don't convert (after tax)

Estimate only. It taxes the whole conversion at the bracket you pick (a large conversion can push part of it into a higher bracket) and ignores state tax. If you pay the tax from outside savings, the "don't convert" side keeps that cash invested in a regular account, with its growth taxed once at 15%.