Free tool · Retirement

Roth Conversion Window Calculator

See exactly how much you can convert to a Roth this year before your income spills into the next tax bracket — and what filling that room actually costs.

You can convert

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Current taxable income

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Target ceiling (gross)

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Blended rate on conversion

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Show my work

Taxable income = gross − standard deduction—

Standard deduction—

Bracket ceiling (taxable)—

Headroom = ceiling − taxable income—

Tax cost to fill it (marginal)—

Blended rate = tax cost ÷ headroom—

"Headroom" is the room left in your chosen bracket: convert this much from a traditional IRA/401(k) to a Roth and you stay below the next marginal rate. The tax cost is the incremental ordinary income tax on the converted amount, filled bracket by bracket. State tax, IRMAA, capital-gains stacking, and Social Security taxation are modeled in the full ClearAxisCFO plan, not here.

One slice of the picture

Model a multi-year conversion ladder from retirement to your RMD age in ClearAxisCFO.