Roth Conversion Planner

2026 Tax Year · Single Filer · Federal only · For planning purposes — not tax advice

How to use

Step 1 → Fill in your income and account info in ① All Inputs
Step 2 → Go to ② Scenarios to find your optimal Roth conversion amount
Step 3 → Explore other tabs for tax bill details, capital gains, and more

Key fields

· Gross ordinary income = W2 + all other income
· Traditional IRA balance = your tIRA year-end balance
· Conversion to Roth = the amount you want to convert

Key inputs

Gross ordinary income — all sources ($)

Freelance / SE income (for SE tax) ($)

Traditional IRA balance — 12/31 ($)

After-tax (non-deductible) basis ($)

Backdoor Roth contribution ($)

Deductions & payments

Itemized deductions total ($)

Federal tax withheld ($)

Estimated tax payments ($)

Capital gains

Net long-term capital gain/loss ($)

Net short-term capital gain/loss ($)

Conversion to Roth — custom amount ($) tIRA → Roth IRA. Taxable in current year.

Capital gains inputs

Net long-term capital gain/loss ($)

Net short-term capital gain/loss ($)

2026 thresholds — Single filer

0% LTCG rate up to$49,450

15% LTCG rate up to$545,500

20% LTCG rate above$545,500

NIIT threshold (MAGI)$200,000

NIIT rate3.8%

Itemized deduction breakdown

Mortgage interest ($)

State & local taxes — SALT (max $40,400) ($)

Charitable contributions ($)

Medical expenses above 7.5% AGI ($)

Other itemized deductions ($)

Or enter total directly

Total itemized deductions ($)

Enter individual items above, or type total here. SALT auto-capped at $40,400.

Income breakdown

W-2 / salary ($)

Freelance / self-employment ($)

Unemployment benefits ($)

Other ordinary income ($)

Withholding & payments

Federal tax withheld ($)

Estimated tax payments ($)

Prior year total tax — safe harbor ($)

Traditional IRA & conversion to Roth

Traditional IRA balance — 12/31 ($)

After-tax (non-deductible) basis ($)

Conversion to Roth amount ($)

Backdoor Roth contribution ($)

Capital gains

Net long-term capital gain/loss ($)

Net short-term capital gain/loss ($)

Disclaimer: This tool is for planning and educational purposes only. It uses 2026 federal tax parameters for Single filers. State income tax, AMT, Medicare IRMAA surcharges, and ACA premium tax credits are not included. SE tax deduction estimated at 50% of SE tax on net SE income (×0.9235). SALT deduction capped at $40,400. Pro-Rata per IRS Form 8606. Capital gains netting follows IRS ordering rules. NIIT threshold $200,000 for Single filers. This is not tax advice — consult a licensed CPA before executing any transactions.