Why sign in to the Community?

  • Submit a question
  • Check your notifications
Sign in to the Community or Sign in to TurboTax and start working on your taxes
New Member
posted Jul 10, 2025 1:42:28 PM

I'm trying to plan on changing a roth401k to a standard and would like to know how much i can transfer and the tax rate?

can someone with intuit help me know how much I can transfer this year based on last years taxes?

0 2 808
2 Replies
Level 15
Jul 10, 2025 1:59:26 PM

Exactly what do you want to transfer it to?  A Traditional pre-tax 401K or to a Traditional IRA or ROTH IRA?  And if you can transfer it there isn't a limit on the amount.  @dmertz 

Level 15
Jul 10, 2025 2:18:27 PM

You can't rollover a Roth 401k to a pre-tax 401k.  You could stop making contributions to a Roth 401k and start making new contribution to a pre-tax 401k, but you can't move existing funds in that way.  Regarding impact on your paycheck, it depends on your income, filing status and dependents.  A rough estimate is that if you can contribute 12% or 22% more, plus an amount for state taxes.  

For example, suppose you are in the 12% income tax bracket and pay 5% tax in your state.  If you contribute $100 to a Roth 401k, it will reduce your paycheck by $100, but if you contribute $100 to a pre-tax 401k, it will reduce your paycheck by $83.  So you could increase your contribution to about $120 to reduce your paycheck by $100.