Converting 529 To Roth Ira In 2025 Calculator. Beneficiaries of a 529 plan will be able to convert a lifetime total of $35,000 from a 529 plan to a roth ira without incurring taxes or penalties. Converting your traditional ira — or other retirement plan — to a roth ira is a simple process, assuming you already.

Converting it to a roth. See if a roth conversion makes sense for you.