Roth Conversion Tax Calculator 2026
Updated for the 2026 tax year · Last updated June 13, 2026
Estimated federal tax on the conversion (2026)
$11,086
Marginal rate 22.2% on the converted amount
A Roth conversion adds the converted amount to your ordinary income for the year, taxed at your marginal federal rate. Converting in lower-income years (or in chunks) can keep you out of higher brackets. Federal only; state tax not included.
About this calculator
Converting traditional IRA or 401(k) money to a Roth means paying income tax now in exchange for tax-free growth later. This calculator estimates the federal tax the conversion adds, at your marginal 2026 rate, so you can size conversions to stay in a target bracket.
FAQ
How is a Roth conversion taxed?
The converted amount is added to your ordinary income for the year and taxed at your marginal federal rate. There is no early-withdrawal penalty on a conversion.
Should I convert all at once?
Often not. Converting in chunks across several years can keep each year's income in a lower bracket. This calculator shows the marginal rate so you can plan the size.
Is there an income limit on Roth conversions?
No. Unlike Roth IRA contributions, conversions have no income limit — which is why high earners use the 'backdoor Roth' strategy.
Related calculators
See everything on the retirement & tax hub.
2026 federal figures from IRS Rev. Proc. 2025-32 and Notice 2025-67; SSA wage base. Estimates for guidance only, not tax advice.