Roth conversion analyzer

Moving money from a traditional IRA to a Roth means paying tax now so it can grow tax-free — with no required minimum distributions (RMDs) ever. The trick is converting only up to the top of a tax bracket you’re comfortable with. See the tax cost today against the tax-free growth you buy.

Filing status Traditional IRA balance Other income this year wages, pensions, Social Security, etc. — before the conversion, before deductions How many of you are 65 or older? 65+ adds an extra standard deduction Amount to convert this year Years until you’d spend it Expected annual growth after fees

A simplified planning estimate using 2026 federal brackets, the 2026 standard deduction (plus the extra amount at 65+), and the temporary senior deduction of up to $6,000 per person 65+, which phases out above $75,000 of income ($150,000 joint) and is scheduled to expire after 2028. If you itemize instead, enter your income net of those deductions — the senior deduction applies either way. It ignores state tax, the way a conversion can raise Medicare (IRMAA) premiums or the taxable share of Social Security, and the 5-year rule on converted funds. Converting is usually best paid from outside cash, not the IRA itself. This is not tax or financial advice; see the IRS on Roth conversions and talk to a fee-only advisor or CPA.