529-to-Roth Rollover Optimizer
See how much of your 529 can move into a Roth — and the tax traps.
Eligible?
Yes
Annual rollover cap
$7,500
Lifetime rollover cap
$35,000
Years to drain (if eligible)
5 yr
Total to Roth via rollover
$35,000
Penalty if taken today
$0 + 10% income tax on earnings
Pro-rata warning
Pro-rata rule not triggered at this income.
이 도구에 대하여
Compute the SECURE 2.0 $7,500/yr / $35k lifetime rollover cap, the 15-year age rule, the pro-rata backdoor warning, and the penalty you'd owe if you cashed out today. The r/personalfinance 'how to handle an unused 529' answer.
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