When should I do a Roth conversion?

Roth conversions make sense when: you expect higher tax rates in retirement, you're in a temporary low-income year, you want tax diversification, you have cash to pay the tax outside the IRA, or you want to leave tax-free money to heirs. Avoid conversions in high-income years.

How much tax will I pay on a Roth conversion?

The converted amount is added to your taxable income for the year and taxed at your marginal rate. A $50k conversion in the 24% bracket costs about $12k in federal tax. Large conversions can push you into higher brackets, so many people convert gradually over several years.

Can I undo a Roth conversion?

No. The Tax Cuts and Jobs Act eliminated Roth recharacterizations starting in 2018. Once you convert, you cannot undo it. This makes it critical to carefully plan conversions to avoid unexpectedly high tax bills or bracket jumps.

Biggest Calculator Hub

Tax & WithholdingVerifiedFeb 2026

Roth Conversion Calculator

Name: Roth Conversion Calculator
Author: Biggest Calculator Hub

Calculate the tax cost and long-term benefits of converting a traditional IRA or 401(k) to a Roth IRA.

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How to Use the Roth Conversion Calculator

This free roth conversion calculator helps you quickly calculate tax on conversion. Simply enter your values in the fields above and click "Calculate" to see your results instantly.

Understanding Your Results

After entering your information, the calculator will display your results including tax on conversion, marginal rate after conversion, future roth value, tax savings at retirement. Each result is calculated using standard formulas used by financial professionals and experts in the field.

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