Calculators / Roth Conversion

Roth Conversion Calculator

See how much extra federal tax a traditional IRA/401(k) to Roth conversion adds, using the 2026 tax brackets. Check how far it fills each bracket, and whether it crosses an IRMAA or ACA threshold.

Filing StatusAGI Before Conversion (USD)Roth Conversion Amount (USD)

Apply standard deduction automaticallyOn Medicare, or enrolling within 2 years (age 65) — IRMAA warningOn ACA marketplace health insurance — subsidy-cliff warning

Want the RMD-reversal logic and IRMAA traps first? Roth Conversion guide →

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