Moving money from a traditional IRA or 401(k) to a Roth, paying tax now so future growth and withdrawals are tax-free.
Conversions are a marginal-rate arbitrage: convert in low-income years, retire in high-income ones. They also stack on top of other income, so a conversion in a big crypto year is usually the wrong year.
No. Recharacterization of conversions ended in 2018. The decision is final once made.
Last reviewed September 15, 2026. Tax rules change; confirm current law before acting.
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