Estimate the federal and state tax cost of converting traditional IRA funds to Roth for 2026 through 2030, using actual brackets and the pro-rata rule.
Projected figures are estimates. Where a tax year shows the "Projected - estimate, not IRS-published" badge, inflation-indexed amounts are projected from the latest IRS-published figures using the inflation rate you select and the rounding rule stated in the statute. They are not IRS-published and will differ from the final revenue procedure. Educational estimate only; verify against current primary authority before relying on any figure.
IRC 408A(d)(3); IRC 408(d)(2); IRC 1(j)(2); IRC 63(c), (f); IRC 151(d)(5)(C); Rev. Proc. 2025-32 sec. 4.01 and 4.14; Form 8606 (2025) lines 5-18.
Educational estimate only; not tax advice. See the full disclaimer.
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