2-year example
Model an educational 2-year equal-split Roth conversion schedule and compare it with a lump sum.
$30,000 per year for 2 years
A 2-year equal split can help users see how spreading conversion income may change annual tax exposure in the simplified model.
The calculator keeps filing status, taxable income, state rate, and 2026 federal brackets constant for the educational schedule.
Real multi-year planning may involve changing income, deductions, tax law, investment returns, and professional tax review.
Open the calculator with a $60,000 example conversion, then review the multi-year conversion schedule table in the results area.
Open the calculatorThis educational page explains equal-split schedule modeling and does not recommend a conversion amount or timing.
This Roth Conversion Calculator is for educational and illustrative purposes only. It does NOT constitute tax, financial, legal, or investment advice. The calculation results are based on the information you provide and the latest IRS tax rules, which are subject to change. We do not guarantee the accuracy of the results. Please consult a licensed Certified Public Accountant (CPA), financial advisor, or tax professional before making any financial decisions.