Roth Conversion Tax Calculator
Estimate the tax bill on converting to a Roth IRA.
Enter your values
Enter the amount to convert in $.
Enter the marginal tax rate in %.
Enter the years until withdrawal in years.
Enter the assumed annual return in %.
Enter the expected future tax rate if not converted in %.
Results update instantly as you type — no submit needed. Your values are remembered on this device, and the shareable link reopens the calculator with exactly these numbers.
- Tax owed on conversion (this year)
- $24,000.00
- Roth value at withdrawal (tax-free)
- $275,903.15
- Traditional after-tax value (if left unconverted)
- $209,686.40
- Better choice
- Convert to Roth
Quick answer
Converting to a Roth triggers ordinary income tax on the converted amount in the year of conversion, but future growth and withdrawals become tax-free.
Conversion tax = converted amount x marginal tax rate
At a glance
| What it does | Estimate the tax bill on converting to a Roth IRA. |
|---|---|
| Category | Finance |
| Inputs needed | Amount to convert, Marginal tax rate, Years until withdrawal, Assumed annual return, Expected future tax rate if not converted |
| Main output | Tax owed on conversion (this year) |
| Formula | Conversion tax = converted amount x marginal tax rate |
| Cost | Free — no sign-up, no download |
How to use the Roth Conversion Tax Calculator
- 1Enter the balance you're considering converting and your current marginal tax rate.
- 2Enter your investment horizon and assumed return.
- 3Compare against leaving it traditional and paying tax at your expected future rate on withdrawal.
Inputs explained
- Amount to convert($)
- Enter the amount to convert in $.
- Marginal tax rate(%)
- Enter the marginal tax rate in %.
- Years until withdrawal(years)
- Enter the years until withdrawal in years.
- Assumed annual return(%)
- Enter the assumed annual return in %.
- Expected future tax rate if not converted(%)
- Enter the expected future tax rate if not converted in %.
Worked example
Using the values the calculator loads with:
Inputs
- Amount to convert100000 $
- Marginal tax rate24 %
- Years until withdrawal15 years
- Assumed annual return7 %
- Expected future tax rate if not converted24 %
Results
- Tax owed on conversion (this year)$24,000.00
- Roth value at withdrawal (tax-free)$275,903.15
- Traditional after-tax value (if left unconverted)$209,686.40
- Better choiceConvert to Roth
Frequently asked questions
Should I pay the conversion tax from the IRA itself?
Better to pay it from outside funds so the full balance keeps growing tax-free inside the Roth.
Is there a deadline for Roth conversions?
Conversions must be completed by December 31 of the tax year in which you want them counted.
What do I need to enter into the Roth Conversion Tax Calculator?
Just 5 values: amount to convert, marginal tax rate, years until withdrawal, assumed annual return, expected future tax rate if not converted. Every field starts with a realistic example, so you can change one number at a time and watch the result update instantly.
How does the Roth Conversion Tax Calculator work out the answer?
Converting to a Roth triggers ordinary income tax on the converted amount in the year of conversion, but future growth and withdrawals become tax-free. It applies the formula Conversion tax = converted amount x marginal tax rate and shows the working so you can check each step by hand.
Is the Roth Conversion Tax Calculator free, and do I need an account?
It is completely free with no sign-up, no download and no usage limit. Everything is calculated in your browser, so the numbers you type never leave your device.
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.