Roth Conversion Tax Impact Calculator turns your planning assumptions into an actionable estimate of estimated current tax. Adjust the values to compare scenarios, then use the supporting figures to see what drives the result. The calculation is a planning aid, not a prediction, and it leaves rates and tax assumptions under your control.
The result estimates incremental current tax using user-entered marginal rates, without modeling tax brackets or deductions.
Tax rules and plan accounting are fact-specific. This estimate is not tax advice and does not calculate penalties, credits, or the pro-rata rule.
For an $80,000 amount that is 100% taxable, a 24% federal rate and 5% state rate produce an estimated $23,200 current tax.
Because some transactions may contain both after-tax basis and taxable pretax amounts or earnings.
No. It applies your entered marginal rate to the taxable amount.
No. State treatment varies, so enter zero when state income tax does not apply to your situation.
No. The calculation estimates income tax only and does not determine whether a penalty applies.
Paying tax from outside funds can help keep more money in the retirement account, but suitability depends on your situation.
| Variable | Included |
|---|---|
| Taxable share | Portion treated as current taxable income |
| Marginal rates | User-entered federal and state rates |