Roth Conversion Calculator 2026: Tax and Bracket Room
See the federal and state tax on a Roth IRA conversion in 2026, your bracket before and after, and how much you can convert before the next bracket.
| Fill up to the top of | Convert | Federal tax | Average rate |
|---|
Uses the 2026 federal brackets and standard deduction, with the extra deduction for people 65 and older (2025 to 2028), which shrinks above 75,000 (150,000 joint). Each conversion has its own 5-year rule before 59½. A higher income can also raise Medicare premiums (IRMAA) two years later and cut ACA subsidies.
What it does
A Roth conversion moves money from a traditional IRA or 401(k) to a Roth IRA. The amount converted is added to your taxable income for the year, so it is taxed at your top bracket now; later the Roth money and its growth come out tax-free. The calculator shows the tax, the bracket you reach and how much fits in each bracket.
How to use it
- Choose your filing status and type your taxable income for the year without the conversion: wages, pensions, IRA withdrawals, interest.
- Type the amount you want to convert, how many of you are 65 or older and your state income tax rate.
- See the tax on the conversion and the table of how much you can convert up to the top of each bracket.
The arithmetic runs in your browser. Nothing you type is sent anywhere and nothing is stored, so you can use these with real numbers.
Frequently asked questions
How much tax will I pay on a Roth conversion?
It is taxed as ordinary income on top of your other income. Single with 60,000 converting 30,000 pays 5,950 of federal tax (19.83%): 6,500 at 12% and 23,500 at 22%.
How much should I convert to stay in my tax bracket?
Convert up to the top of your current bracket. In the example above 6,500 fits in the 12% bracket. A married couple, both 65 or older, with 80,000 can convert 68,300 and stay at 12%; converting 50,000 costs 6,000.
Is a Roth conversion worth it?
It pays off when your tax rate now is lower than when you withdraw, for example in the years between retiring and starting Social Security or RMDs. Pay the tax from other savings, not from the converted money.
π± Roth IRA Calculator
π Tax Bracket Calculator 2026: Marginal and Effective Tax Rate
π€ RMD Calculator (Required Minimum Distribution)
π IRMAA Calculator 2026: Medicare Part B and D Surcharge
π§ Social Security Tax Calculator: How Much of Your Benefits Is Taxable