529-to-Roth Rollover Optimizer

See how much of your 529 can move into a Roth — and the tax traps.

529 balance ($)

Years the 529 has been open

Annual Roth contribution income ($)

Roth type

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.

About this tool

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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