How much should I convert to a Roth?

A common strategy is to convert up to the top of your current bracket — the "room left" figure. Converting beyond it pushes the extra dollars into a higher rate.

Roth Conversion Calculator (2026) — Fill Your Tax Bracket

🔄

Roth Conversion

Conversion tax • Bracket room

Filing status

Current taxable income ⓘ

Amount to convert

🔄

Enter your income and conversion amount

How the Roth Conversion Calculator Works

Enter your current taxable income and how much you want to convert.
We add the conversion to your income and compute the extra federal tax using 2026 brackets.
See your effective rate, the bracket you reach, and how much room is left before the next bracket.

The "Fill the Bracket" Roth Strategy

A Roth conversion moves money from a traditional IRA/401(k) to a Roth — you pay income tax now so withdrawals are tax-free later. The smart move is to convert just enough to "fill" your current tax bracket without spilling into the next one. This calculator shows the tax cost, your effective rate on the converted amount, and your remaining room to the next bracket so you can size the conversion precisely.

Conversions also raise MAGI, which can affect Medicare IRMAA two years later and the taxation of Social Security — worth modeling alongside this. Estimate only; not tax advice.

Roth Conversion FAQ

How much should I convert? ▾

A common strategy is to convert up to the top of your current bracket — the "room left" figure here. Converting beyond it pushes the extra dollars into a higher rate.

When is a Roth conversion worth it? ▾

Generally when your current tax rate is lower than your expected rate in retirement — for example in a low-income gap year before RMDs and Social Security begin.

Does a conversion affect Medicare or Social Security? ▾

Yes — it raises MAGI, which can trigger higher Medicare IRMAA premiums two years later and increase the taxable portion of Social Security. Model those too.

Related Calculators