Roth Conversion Calculator
Converting IRA dollars is taxable — enter conversion amount and marginal tax rates for a flat-rate sketch. Click any i for detail.
Conversion
Conversion amount ($)
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Amount
Dollars moving from traditional to Roth. |
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|---|---|
Federal marginal rate (%)
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Federal
Marginal federal bracket on conversion. |
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State marginal rate (%)
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State
Marginal state rate (0 if none). |
How to use this calculator
- Enter conversion amount.
- Set federal and state marginal rates.
- Read tax and net to Roth.
Results explained
Headline is estimated tax on the conversion; net to Roth is amount minus tax in this flat-rate model.
Quick reference: Roth conversion tax
Flat marginal sketch.
| Item | Detail |
|---|---|
| Tax | Amount × (fed + state) |
| Net Roth | Amount − tax |
Bracket stacking, IRMAA, and withholding differ from a single marginal rate.
How the estimate is built
Federal tax = amount × federal rate; state tax = amount × state rate; total tax is sum.
Example scenario
$25,000 converted at 22% federal and 5% state → about $6,750 tax and $18,250 net to Roth before paying tax from other cash.
FAQ
Pay tax from IRA?
Paying tax from the IRA reduces what lands in Roth — not modeled separately.
Backdoor Roth?
Different mechanics — this is straight conversion amount tax.
Quarterly estimates?
Large conversions may require estimated tax payments.