Roth Conversion Calculator

A Roth conversion moves money from a traditional IRA or 401k into a Roth account. You pay income tax now so future withdrawals are tax-free. This tool shows the cost of converting at your current income level and how much room you have left in your current bracket.

Your Tax Situation

Filing status

Current year taxable income(after standard deduction)

Desired conversion amount

Select your filing status, then enter taxable income and a conversion amount.

Krovos will show an estimate using the 2026 federal brackets for that filing status.