Free tool from WealthLogix

Roth Conversion Tax Estimator

Blend federal, state, and payroll tax into a single effective rate on taxable income — then see how much of that rate a Roth conversion is responsible for.

Total wages / earned income

$0$1M+

Balance to be converted (Roth conversion)

$0$1M+

Total pre-tax balance planned for Roth conversion over the conversion window.

Number of years to convert

e.g. a 3-year or 5-year conversion window. Balance is spread evenly across each year.

First-year conversion amount

$ 0

Balance ÷ years. Taxed as ordinary income in year one, and included in the rate shown.

Filing status

Your age

Spouse's age

Each person age 65 or older adds to the standard deduction.

Deduction

State

▾

Include payroll tax (FICA) Social Security + Medicare, employee share, on wages only

Effective income tax rate

0.0%

Without conversion

+0.0%

Conversion tax drift

This is one year. A conversion plan is usually many. Is it worth it?

Roth conversions can potentially eliminate or significantly reduce taxes across a future retirement picture — including the collateral damage that surfaces in IRMAA surcharges, Social Security taxation, and other parts of a plan. They can be a powerful tool. They also deserve care and deliberate sequencing. This is where a Tax Scorecard Analysis can be invaluable.

This is an estimate built for planning conversations as a starting point, and it is not tax advice. State-specific deductions, exemptions, and credits are not modeled, and The additional standard deduction for taxpayers age 65 or older is available only to filers taking the standard deduction; it does not apply when itemizing. The separate senior bonus deduction of $6,000 per qualifying person age 65 or older is available either way, phases out as income rises, and is applied to federal tax only. That provision is temporary and is scheduled to expire after 2028, so a conversion window extending beyond then would lose it in later years — which this single-year view cannot show. Passive income and the conversion amount are taxed here at ordinary rates, so preferential rates for qualified dividends and long-term capital gains, and the 3.8% net investment income tax, are not reflected. Payroll tax reflects the employee share of W-2 wages; self-employment earnings are taxed at both halves on 92.35% of net profit, with half the resulting tax deducted above the line. Payroll and self-employment tax are levied on earned income rather than taxable income, so those portions sit on a different basis than the taxable income figure above. Self-employment earnings are assumed to qualify in full for the 20% qualified business income (QBI) deduction, phasing to zero across the 2026 threshold range and applied to federal tax only, since most states begin from federal AGI. Full phase-out is the treatment for a specified service trade or business; other businesses face W-2 wage and property limits instead and may retain more of the deduction than this assumes. Passive income is not treated as QBI, and retirement plan contributions and the self-employed health insurance deduction are not modeled. The conversion figure reflects the first year of the conversion window at today's income and does not model how brackets, RMDs, IRMAA surcharges, or Social Security taxation shift across the full conversion window. Figures reflect the 2026 tax year. Confirm any figure with a qualified tax professional before acting on it.