Mavilian Financial Group

Financial Planning Tool

Roth Conversion
Tax Impact Calculator

Model the tax cost of converting traditional IRA assets to a Roth IRA — and find the optimal amount to convert within your current bracket.

Tax rates current as of: 2026 tax year. This calculator is for informational and educational purposes only and does not constitute tax, legal, investment, or financial advice. Any tax-related information is not intended or written to be used, and cannot be used, for the purpose of avoiding penalties under the Internal Revenue Code. Results are estimates based on 2026 federal tax rates and do not account for state taxes, the 3.8% Net Investment Income Tax, AMT, or other individual circumstances. Consult with qualified tax and financial professionals regarding your specific situation.

Your Information

Filing Status

Current Age

Expected Retirement Age

Current Taxable Income (wages, business, pensions, SS, etc.)

$

Your gross income before the conversion — this determines your current tax bracket

Traditional IRA Details

Total Traditional IRA Balance

$

Combined balance of all traditional IRA accounts

Amount to Convert to Roth

$

You can convert any amount up to your full IRA balance

Projection Assumptions

Expected Annual Return (%)

Used to project future account growth

Estimated Tax Rate in Retirement (%)

Your expected marginal rate when withdrawing. Leave blank to use your current effective rate on the conversion.