How large might a Roth-conversion window be?
Enter this year's taxable income and a limit. See how much room may be left and a rough tax cost.
How much income can you intentionally recognize this year?
Move one slider at a time. The numbers and picture update together.
$10,000 exceeds the ceiling you selected.
This is not a tax return. Real taxes use several rates. A conversion can also change credits, investment taxes, Social Security taxes, health-plan savings, Medicare costs, and state tax.
A conversion is taxable income now
Money moved from a traditional IRA to a Roth IRA is usually added to income for that year. It is not a tax-free name change.
The lab uses one tax rate you choose. A real tax return uses several rates and many rules.
The best size may be partial
Several smaller conversions may use lower-income years without one giant tax bill. Your limit may come from a tax rate, health-plan savings, Medicare costs, or the cash you have for taxes.
Wait until you can estimate the year's income, but leave time to act. Check the choice with a tax professional first.
Verify before you act
These official resources provide background for the concepts in this illustration: