Roth Conversion Calculator

2026 rules

Find the largest Roth conversion that keeps you inside the tax bracket you choose, and what it costs this year.

Your numbers

Filing status

Wages or self-employment income

Pension, IRA withdrawals and other ordinary income

Social Security benefits (yearly)

Qualified dividends and long-term gains

People on the return age 65 or older

Fill up to the top of the

Traditional IRA / 401(k) balance

State

Result

Convert up to$176,300

Current ordinary taxable income$14,650
Top of the 22% bracket$211,400
Room to convert$176,300
Federal tax on the conversion-$35,289
Effective rate on the converted dollars20%
Taxable Social Security before → after$22,150 → $30,600
AGI after converting$251,900
Medicare premiums rise in two years (+95.70/mo per person)-$2,297

Medicare looks back two years: a 2026 conversion sets 2028 premiums. IRMAA counts AGI plus tax-exempt interest.

How it works

The calculator adds conversion dollars to your 2026 income until your ordinary taxable income reaches the top of the bracket you pick. For a married couple, the 22% bracket ends at $211,400 of taxable income and the 24% bracket at $403,550.

It recomputes the whole return at each step, so it catches the side effects: more of your Social Security becoming taxable, dividends moving out of the 0% capital gains range, and the senior deduction shrinking above $150,000 of income.

Medicare premiums for 2028 will be set by your 2026 income. If the conversion pushes you over an IRMAA threshold, the results show the extra premium.

2026 figures: IRS Rev. Proc. 2025-32 (2026 inflation adjustments); IRS Notice 2025-67 (2026 retirement plan limits); CMS 2026 Medicare Parts A & B premiums and deductibles.

Questions

Is it better to convert in one year or spread it out?

Spreading conversions across several low-income years usually keeps more of each dollar in the 12% or 22% bracket. The years between retiring and starting Social Security and RMDs are often the cheapest.

Can I undo a Roth conversion?

No. Recharacterizing a conversion has not been allowed since 2018, so convert only what you are sure about.

Do I need to wait five years to use converted money?

Each conversion has its own five-year clock for avoiding the 10% penalty if you are under 59½. After 59½ and five years with any Roth, withdrawals are tax-free.