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Roth Conversion Calculator 2026
Estimate the incremental 2026 federal tax from a fully taxable conversion and explore a simplified long-term comparison.
Primary estimateLive · USD
Estimated result
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Based on the assumptions entered.
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Scenario comparison
Longer bars represent the larger value.
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What this result means
A taxable Roth conversion adds the converted amount to ordinary taxable income. Because federal brackets are marginal, only the portion entering each bracket is taxed at that bracket’s rate.
How this calculator works
Federal tax before and after conversion is calculated layer by layer using the 2026 IRS rate schedules. The difference is the incremental federal estimate. The projection compounds balances annually and subtracts the future value of tax paid from outside funds.
Worked example
For example, a single filer can enter $80,000 of 2026 taxable income and a $40,000 fully taxable conversion. Finly layers the conversion through the federal brackets, adds any flat state estimate, and shows the effective tax rate on the conversion separately from the marginal bracket reached.
Assumptions and limitations
- Taxable income is entered after deductions
- The conversion is fully taxable and tax is paid from outside funds
- The state estimate is a flat user-entered rate
- Credits, basis and pro-rata rules, AMT, NIIT, ACA, IRMAA, Social Security taxation, RMDs, and return-level interactions are excluded
Frequently asked questions
How much tax will I pay on a Roth conversion in 2026?
The taxable conversion is added to ordinary taxable income and taxed across the federal brackets it reaches. Finly estimates the incremental federal amount plus an optional flat state estimate.
Does a Roth conversion count as taxable income?
Generally, the taxable portion of a Traditional IRA conversion is included in ordinary income for the conversion year. This calculator assumes the entered conversion is fully taxable.
How much can I convert without entering the next tax bracket?
Enter taxable income after deductions. Finly shows the remaining room in the current 2026 federal bracket before additional conversion dollars enter the next bracket.
Can a Roth conversion affect Medicare IRMAA premiums?
It can because a conversion may increase modified adjusted gross income used for later Medicare premium determinations. IRMAA is excluded from this calculator, so review it separately when relevant.
Does this calculate my complete 2026 tax return or the IRA pro-rata rule?
No. It is a bracket-impact estimate and does not model credits, deductions, nondeductible basis, the pro-rata rule, IRMAA, or other return-level interactions.
Does it tell me how much I should convert?
No. It compares the amount you enter and does not provide individualized tax or investment advice.
Sources and methodology
See the official primary source used for this calculator and read Finly’s calculation methodology.
Updated and logic reviewed: September 17, 2026. Results are educational estimates, not financial, tax, legal, or investment advice.