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Roth conversion calculator

See how much you can convert to a Roth IRA while staying within your current federal tax bracket — with side-by-side 2025 and 2026 numbers.

Run a full retirement simulation →

Wages, business income, pension, 401k/IRA withdrawals, RMDs — before deductions, not including SS

Enter your gross annual SS benefit to detect the Social Security tax torpedo

Age ≥65: adds the OBBBA additional senior deduction ($6,000 single / $12,000 MFJ) per P.L. 119-21 §10102. MFJ: enter the older spouse's age.

Enter your income above to see your conversion options.

Frequently asked questions

How much can I convert to a Roth IRA without moving into a higher tax bracket?
The Roth-conversion calculator estimates your remaining bracket headroom — the amount of income you can add before reaching the next federal bracket — using your taxable income and current-year brackets for 2025 and 2026. It shows the conversion amount that fills your current bracket and flags any nearby Medicare IRMAA or Social-Security-taxation thresholds. It is educational and not tax advice.
What is a Roth conversion 'bracket fill' strategy?
Bracket-fill refers to converting just enough of a traditional IRA balance to Roth each year to reach the top of a chosen tax bracket without spilling into the next one. It is often discussed for the lower-income years between retirement and required minimum distributions. The tool illustrates the numbers rather than prescribing a specific amount.
Does a Roth conversion affect Medicare premiums?
It can. A conversion raises modified adjusted gross income, which can move a household into a higher Medicare Part B and Part D premium tier (IRMAA) about two years later. The calculator flags when a conversion would cross an IRMAA threshold so the trade-off is visible.