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Roth Math Pro

Disclaimer

This calculator estimates federal and state income tax owed on a Roth conversion based on IRS formulas. It does not constitute tax advice. Individual results depend on factors not captured in this tool. Consult a qualified tax professional before executing any IRA conversion.

No client relationship

Using this site, reading our content, or emailing yourself a calculation result does not create an advisor-client, attorney- client, accountant-client, or fiduciary relationship between you and Bedrocka Tools LLC or any of its contributors. We are not your advisor until and unless you sign a written engagement letter with Bedrocka Consulting LLC or another Bedrocka Ventures entity.

Calculator outputs are estimates

Every calculator on this site produces an estimate based on the inputs you provide and the formulas we have coded. Real-world outcomes may differ because of factors we do not capture: your specific Form 8606 IRA basis, state-level tax rules that deviate from federal IRC §408A, income thresholds that change annually (IRS Publication 590-B, SSA IRMAA tables), regulatory changes that post-date our last review, and facts about your specific filing situation that are not reflected in the inputs. Use calculator results to get a defensible ballpark number and to structure your conversations with a CPA or Enrolled Agent — not to make final conversion decisions on their own.

Use at your own risk

You assume full responsibility for any decision you make based on information from this site. We disclaim liability for outcomes that depend on factors outside our control — which, for IRA conversion decisions, is almost all of them.

Not affiliated with regulatory or government entities

Bedrocka Tools and Roth Math Pro are not affiliated with, endorsed by, or acting on behalf of the Internal Revenue Service (IRS), the U.S. Department of the Treasury, the Social Security Administration (SSA), the Centers for Medicare and Medicaid Services (CMS), or any other regulatory or government entity. Where we cite their publications and guidance, it is as a primary source of public information, nothing more.

Roth conversion and IRA-specific caveats

  • Roth conversion calculators (IRC §408A) produce estimates of federal income tax owed in the year of conversion. Actual tax depends on your full income picture for the year — Social Security benefit inclusion under IRC §86, capital gains stacking, state taxable income — none of which the calculator models in full. Verify with a CPA before executing any conversion.
  • Backdoor Roth pro-rata rule (IRC §408(d)(2)): the pro-rata rule applies to all traditional IRA balances you hold across all custodians on December 31 of the conversion year. The calculator uses the aggregated pre-tax balance you enter. If that figure is wrong, the pro-rata output is wrong. Track your IRA basis on Form 8606 every year.
  • IRMAA lookback: the SSA uses your MAGI from two years prior to set your Medicare Part B and Part D premium surcharges. A large Roth conversion in Year N may trigger IRMAA in Year N+2. The calculator estimates this impact but cannot account for life-change exceptions or IRMAA appeals. Contact SSA at ssa.gov if you believe your IRMAA assessment should be reconsidered.
  • RMD planning: Required Minimum Distribution ages and amounts are governed by IRC §401(a)(9) and the SECURE 2.0 Act. RMD calculations depend on your account balance on December 31 of the prior year and the IRS Uniform Lifetime Table. This calculator provides planning estimates; your actual RMD must be calculated using your custodian's records and the IRS tables.
  • State tax conformity: several states do not fully conform to the federal IRC §408A Roth treatment. California, Pennsylvania, and New Jersey have separate rules for IRA contributions and distributions that may affect your state tax liability on a conversion in ways this calculator does not model. Consult a state tax advisor if you file in a non-conforming state.
  • OBBBA tax bracket framing: the One Big Beautiful Bill Act (signed July 4, 2025) permanently extended the TCJA bracket structure. The scheduled 2026 rate cliff did not happen. Federal income tax brackets used in this calculator reflect the OBBBA-extended TCJA rates. If further legislation changes these rates, we will update the calculator and note the change on the affected pages.

Contact for corrections

If you find an error in a calculator or in our cited sources, email info@bedrockatools.com. See methodology for our correction policy.