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Question

What is the deadline for a Roth conversion?

Answer

A Roth conversion must settle by Dec. 31 to count in the current tax year. The converted amount is added to your ordinary income, so the timing decision matters if your income varies. If you’re 73 or older, take your full required minimum distribution (RMD) before you make the conversion, because an RMD can’t be converted and a conversion does not satisfy it.

Related FAQs

How does a Roth conversion compare to leaving money in a traditional IRA?

What’s the difference between a Roth conversion and a Roth contribution?

How do I calculate how much to convert to a Roth IRA?
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Last Updated Sept. 28, 2026
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