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.
Educational tool only — not personalized financial, tax, or insurance advice. Advisory services provided by Bayworth Capital, a registered investment adviser (CRD #284360). Full disclosures below.

Your Information

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

Traditional IRA Details

$
Combined balance of all traditional IRA accounts
$
You can convert any amount up to your full IRA balance

Projection Assumptions

Used to project future account growth
Your expected marginal rate when withdrawing. Leave blank to use your current effective rate on the conversion.

Important Disclosures

Firm Information: Investment advisory services are offered through Bayworth Capital (CRD #284360), a Registered Investment Adviser. Registration does not imply a certain level of skill or training. Avo Mavilian (CRD #6263067) is an Investment Adviser Representative of Bayworth Capital. Mavilian Financial Group is a dba of Tailwind Financial Strategies, LLC, a licensed insurance agency and tax advisory firm owned by Avo Mavilian. Mavilian Financial Group is not a registered investment adviser. Mavilian Financial Group and Bayworth Capital are independent companies.

Conflicts of Interest — Insurance & Tax: Mr. Mavilian is separately licensed as an independent insurance agent and, in that capacity, may effect transactions in insurance products and earn commissions. Advisory fees paid to Bayworth Capital are separate and distinct from commissions earned on insurance products. This presents a conflict of interest because Mr. Mavilian may have an incentive to recommend insurance products for the purpose of generating commissions rather than solely based on your needs. You are under no obligation, contractually or otherwise, to purchase insurance products through Mr. Mavilian or any affiliated person. Mr. Mavilian is also a federally authorized tax practitioner (Enrolled Agent) admitted to practice before the Internal Revenue Service; tax services are provided through Tailwind Financial Strategies, LLC dba Mavilian Financial Group and are separate from advisory services provided by Bayworth Capital.

Educational Tool Only: This calculator is for educational and illustrative purposes only. Results are hypothetical, based on the assumptions you entered, and are not predictions of actual outcomes. Past performance and illustrated outcomes do not guarantee future results. Individual circumstances vary — consult a qualified financial, tax, legal, or insurance professional before making decisions.

Form ADV: For more information about Bayworth Capital's advisory services, fees, and potential conflicts of interest, please review our Form ADV Part 2A brochure, available at adviserinfo.sec.gov or upon request by contacting compliance@bayworthcapital.com.

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