Backdoor Roth Pro-Rata Calculator
The backdoor Roth is only tax-free if you don't have pre-tax IRA money sitting elsewhere — the IRS pro-rata rule mixes it all together. This computes the taxable share of your conversion across all your traditional, SEP, and SIMPLE IRAs. Free, no signup.
Or just ask out loud. Mali is a voice AI — talk to her and she runs this on your own linked accounts, then explains the answer out loud in plain English.
Educational estimate, not financial advice. Roth conversion calculator · HSA calculator · Talk to Mali · All features