IRA to Roth IRA Conversion Calculator (Single)
This calculator helps you estimate the maximum amount you can convert from a Traditional IRA to a Roth IRA in 2025 without crossing into the next federal tax bracket. It also provides a breakdown of federal and state taxes due on the conversion and how long it may take to fully convert your IRA based on your income and age. Simply enter your age, income, IRA balance, and state tax rate to calculate your optimal conversion amount and estimated taxes owed. The tool uses the latest 2025 tax brackets and standard deduction figures for single filers, helping you make smarter decisions about timing and tax efficiency in your retirement planning strategy. Use this calculator to test different conversion amounts and visualize how spreading conversions over multiple years can reduce lifetime tax exposure while maximizing Roth IRA growth potential.
❓ FAQ Section
What is a Roth IRA conversion?
A Roth IRA conversion allows you to transfer funds from a Traditional IRA into a Roth IRA. You’ll pay income taxes on the converted amount now, but future withdrawals from the Roth IRA are tax-free if certain conditions are met.
How does this calculator help me plan my conversion?
This tool shows how much you can convert in 2025 without moving into a higher tax bracket. It estimates both federal and state taxes owed and projects how many years it would take to convert your entire IRA balance.
Why convert gradually instead of all at once?
Converting your IRA all at once could push you into a much higher tax bracket. Gradual conversions spread taxes over several years, keeping you in a lower bracket and improving long-term after-tax savings growth.
What is the “room to next bracket” shown in the results?
This represents how much taxable income you can still earn or convert before crossing into the next federal tax bracket. Staying just below that threshold helps minimize unnecessary tax costs.
Can this calculator account for future tax changes or income variations?
This version uses the 2025 federal tax brackets for single filers. Future tax law changes, inflation adjustments, or income fluctuations are not included. For personalized planning, consult a financial advisor or tax professional.
Disclaimer: For Educational Purposes Only
The information, tools, and calculators available on The Retirement Dilemma website are provided exclusively for educational and informational purposes. Their goal is to help you better understand how various retirement income strategies, such as withdrawal rates, investment allocations, and portfolio sustainability, may align with your long-term financial goals. This material should not be considered financial, legal, or tax advice.
All content is developed and reviewed by retirement planning professionals with decades of combined experience in wealth management, portfolio analysis, and retirement income design. However, every financial situation is unique. We strongly encourage you to consult with a qualified financial advisor, tax professional, or fiduciary planner before making any retirement-related decisions.
To ensure accuracy and reliability, our educational content references well-established, nationally recognized sources, including Morningstar, Fidelity, Vanguard, and other respected organizations specializing in retirement research.
Our mission is to provide unbiased, transparent, and practical education to empower you to make informed and confident decisions about your financial future.
