Roth Conversion Planner
Estimate how much of your pre-tax IRA or 401(k) you can convert this year, and what the federal tax would be.
What a Roth conversion does
You move money from a traditional IRA or 401(k) into a Roth account. The converted amount counts as ordinary income this year, so you pay tax now — and qualified withdrawals later come out tax-free with no required minimum distributions.
Head of Household uses the Single bracket table, with its own standard deduction and 0% gains threshold.
Wages, pension, Social Security, interest, and IRA withdrawals already planned — before any conversion.
Enter 0 if you don't expect any.
Add 401(k) or IRA accounts on the Investments page to pre-fill this, or type the balance from a statement.
Add what's missing to see your numbers
We need your filing status and this year's ordinary income before we can estimate a conversion. Fill it in above, or update your retirement profile.