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Tax
Penalty-Free Roth Conversion (2026) Calculator
Follow a decision flow to estimate whether a Roth IRA conversion could be penalty-free based on common 2026 rules.
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How to use
- Answer the questions in order.
- Use the notes shown at each step to sanity-check inputs.
- Review the final outcome and any caveats.
Assumptions & disclaimer
These calculators are educational. They use simplified models and the inputs you provide. Results are estimates and not personalized financial, tax, investment, or legal advice. Tax law, market behavior, and personal circumstances change — verify any assumption before acting on it, and consider working with a qualified professional for decisions that matter.