🔄 Roth Conversion Calculator 2026
Calculate the tax impact of converting your Traditional IRA to a Roth IRA in 2026. Includes 2026 federal tax brackets, standard deduction, state tax estimates, and break-even analysis to help you make an informed decision.
What Is a Roth Conversion Calculator?
A Roth conversion calculator helps you estimate the tax impact of converting funds from a Traditional IRA to a Roth IRA. When you convert, the taxable portion of your Traditional IRA (deductible contributions and earnings) becomes taxable in the year of the conversion.
This calculator uses 2026 tax rates, standard deductions, and state tax estimates to help you understand the immediate tax cost and compare it to potential future tax savings. Key features:
- 2026 Federal Tax Brackets , 10%, 12%, 22%, 24%, 32%, 35%, and 37%.
- 2026 Standard Deduction , $16,100 (single), $32,200 (married), $24,150 (head).
- State Tax Estimates , simplified flat-rate estimates for all 50 states.
- Break-Even Analysis , compares paying taxes now vs. paying taxes in retirement.
- IRA Contribution Limits , $7,500 ($8,600 for age 50+).
- No Income or Dollar Limits , Roth conversions have no restrictions.
How Does the Roth Conversion Calculator Work?
The calculator performs the following steps:
- Calculates taxable income without conversion , annual income minus standard deduction and any pre-tax deductions.
- Calculates taxable income with conversion , adds the conversion amount to taxable income.
- Applies 2026 federal tax brackets , computes federal tax liability in both scenarios.
- Calculates additional federal tax , the difference in tax liability caused by the conversion.
- Calculates state tax on conversion , applies the selected state's flat tax rate to the conversion amount.
- Calculates total tax cost , federal + state tax on the conversion.
- Computes effective tax rate , total tax cost divided by conversion amount.
- Performs break-even analysis , compares paying tax now vs. in retirement.
- Generates a summary , shows all key metrics in one place.
Why Use This Roth Conversion Calculator?
- Updated for 2026: Uses the latest tax brackets, standard deductions, and IRA limits.
- All 50 States: Includes simplified state income tax estimates for every state.
- Break-Even Analysis: See if a conversion makes sense based on your retirement tax rate.
- Visual Chart: Instantly see the breakdown of taxes on your conversion.
- Free & Private: No registration, no data storage , all calculations are done in your browser.
❓ Roth Conversion Calculator 2026 FAQ
What is a Roth conversion?
A Roth conversion is the process of moving money from a Traditional IRA, SEP IRA, SIMPLE IRA, or qualified retirement plan to a Roth IRA. The amount converted is taxable in the year of the conversion.
Are there income limits for Roth conversions?
No. Unlike direct Roth IRA contributions, which have income phase-outs ($153,000-$168,000 for single filers in 2026), Roth conversions have no income limits and no dollar caps.
What are the 2026 federal tax brackets?
The 2026 tax brackets are: 10% (up to $12,400 single / $24,800 married), 12% ($12,401-$50,400 / $24,801-$100,800), 22% ($50,401-$105,700 / $100,801-$211,400), 24% ($105,701-$201,775 / $211,401-$403,550), 32% ($201,776-$256,225 / $403,551-$512,450), 35% ($256,226-$640,600 / $512,451-$768,700), and 37% (over $640,600 / $768,700).
What is the standard deduction for 2026?
The 2026 standard deduction is $16,100 for single filers, $32,200 for married filing jointly, and $24,150 for head of household.
What is the IRA contribution limit for 2026?
The 2026 IRA contribution limit is $7,500 for those under 50 and $8,600 for those 50 and older.
What is the pro-rata rule?
The pro-rata rule applies when you have both pre-tax and after-tax funds in Traditional IRAs. The taxable portion of a conversion is calculated as: pre-tax IRA balance ÷ total IRA balance. ALL traditional, SEP, and SIMPLE IRA balances are included in this calculation.
What is IRMAA and how does it affect conversions?
IRMAA (Income-Related Monthly Adjustment Amount) is a Medicare premium surcharge based on your MAGI from two years prior. 2026 conversions affect 2028 Medicare premiums. The 2026 first-tier threshold is $106,000 for single filers and $212,000 for married filing jointly.
Should I pay conversion taxes from the IRA or other assets?
If you use IRA money to pay the taxes, that amount is treated as an early withdrawal and may incur penalties if you are under age 59½. It also reduces the amount left to grow tax-free in the Roth. Paying taxes from other assets is generally recommended.
How accurate is this calculator?
This calculator provides accurate estimates based on 2026 tax rates, brackets, and standard deductions. However, actual tax liability depends on your total income, deductions, credits, and other factors. Use this as a planning tool and consult a tax professional for precise calculations.
Is this calculator free to use?
Yes, this calculator is completely free to use. No registration or personal data storage is required. All calculations are performed in your browser.