Roth Conversion Calculator for Early Retirement
Estimate the incremental regular federal income tax from one proposed 2026 Roth conversion using progressive brackets.
2026 Roth conversion estimate
Estimate the incremental regular federal income tax from one proposed 2026 Roth conversion using progressive 2026 brackets.
Taxable income before
$50,000
Taxable income after
$110,000
Conversion included
$60,000
Federal tax before
$5,752
Federal tax after
$18,998
Incremental federal tax
$13,246
Effective rate on conversion
22.1%
Traditional balance remaining
$740,000
Current-year educational estimate only · methodology v1.0.1. Current taxable income is assumed to be after deductions, so the 2026 single standard deduction of $16,100 is shown for reference and is not subtracted again. The estimate assumes the entire applied conversion is taxable; it does not calculate nondeductible IRA or plan basis or pro-rata treatment. Excludes: State and local income taxes; Alternative minimum tax and net investment income tax; Tax credits and changes to deductions; Capital gains and qualified-dividend interactions; Nondeductible IRA or plan basis and pro-rata treatment; the estimate assumes the entire applied conversion is taxable; ACA premium tax credits and Medicare IRMAA; Future tax-law changes and multiyear optimization; Withholding, estimated-tax penalties, and conversion opportunity cost. It does not estimate lifetime savings.
How to use this estimate
Enter current 2026 federal taxable income after deductions. The estimate adds one proposed conversion, applies ordinary-income brackets progressively, and excludes state tax, credits, capital-gain interactions, ACA assistance, Medicare IRMAA, and multiyear optimization.