How Much Does It Cost To Convert 401K To Roth IRA? 
In order to convert a 401 -LRB- K -RRB- to a Roth IRA you must pay income tax on the entire amount of the 401 -LRB- K. -RRB- The Roth deals with after tax dollars and the 401 -LRB- k -RRB- has only untaxed dollars , unless there are excess contributions allowed which are made with after tax dollars . There are times when this is a very smart move , though , and should not be discounted . In the long run , the Roth IRA is received income tax free which might be a greater benefit . 