Roth Conversion Tax Impact Calculator
Estimate the combined federal and state income taxes owed when you move money from a traditional retirement account into a Roth IRA. Enter the conversion amount plus the marginal tax rates that will apply this year.
CalcSimpler Examples
- $50,000 conversion at 22% federal and 5% state ⇒ $13,500.00 USD
- $20,000 conversion at 24% federal and 0% state ⇒ $4,800.00 USD
FAQ
Does this include early withdrawal penalties?
No. The tool only estimates the income taxes triggered by the conversion.
How do I account for deductions or credits?
Adjust the marginal rates to reflect deductions or credits that reduce your taxable income.
Can I enter local income taxes?
Yes. Add local or city taxes into the state tax field so the final rate matches your total expected burden.
Additional Information
- Results assume the entire conversion is taxable at the marginal rates you provide.
- Many filers spread conversions across multiple years to stay in a preferred tax bracket.
CalcSimpler