Roth and IRA calculators
Conversions, contribution limits and the Form 8606 math behind backdoor Roths.
- Roth conversion: fill your bracketIRMAA check
- Roth conversion taxFed + state
- Roth vs traditionalBreak-even rate
- Roth IRA contribution limit$7,500 limit
- Traditional IRA deductionDeductible amount
- Backdoor RothPro-rata check
- Pro-rata rule (Form 8606)Line by line
- Mega backdoor Roth$72,000 cap
Roth Conversion Calculator: Find the largest Roth conversion that keeps you inside the tax bracket you choose, and what it costs this year.
Roth Conversion Tax Calculator: Enter a conversion amount to see the federal and state tax it adds to your 2026 return.
Roth vs Traditional Calculator: Compare what a Roth and a traditional contribution are worth after tax when you withdraw.
Roth IRA Contribution Calculator: Check how much you can contribute to a Roth IRA for 2026 at your income.
IRA Contribution Calculator: Find out how much of a traditional IRA contribution you can deduct for 2026.
Backdoor Roth Calculator: Check whether your backdoor Roth will be tax-free, or how much of it the pro-rata rule makes taxable.
Pro-Rata Rule Calculator: Follow the Form 8606 pro-rata calculation with your own numbers, line by line.
Mega Backdoor Roth Calculator: Find how much after-tax money your 401(k) can take this year for a mega backdoor Roth.
Other calculators
- Withdrawals and RMDs
- Self-employed and small business
- Social Security, Medicare and HSA
- TSP, FERS and military
- Brackets and investment tax
- State income tax
- State capital gains tax
- State estimated tax
- State 529 tax deductions
- State estate and inheritance tax
- I bonds, T-bills and ladders
- FIRE and early retirement
- Lump sums and payoffs