Tax payment assumptions

Roth Conversion Tax Payment Methods

Compare how the calculator treats outside-funds tax payment, IRA withholding, and not-sure assumptions. These pages explain the model, not what a user should choose.

Outside funds

Pay Roth Conversion Taxes With Outside Funds

The calculator does not model a 10% early distribution penalty when conversion taxes are assumed to be paid from outside funds.

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Withhold from IRA

Withhold Roth Conversion Taxes From an IRA

If age is below 59.5 and no exception is selected, the calculator models a 10% penalty only on the amount withheld from the IRA for taxes.

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Not sure

Not Sure How Roth Conversion Taxes Will Be Paid

When tax payment method is marked not sure, the calculator does not model an early distribution penalty amount.

Open method page

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.