Roth Conversion Optimizer 2026

Model conversion amounts by bracket. Tax cost today vs. projected tax-free growth. Break-even timeline. Bracket-filling strategy. IRMAA impact. Pro-rata rule warning.

IRC 408A - Roth IRAIRC 408(d)(2) - pro-rata ruleIRC 72(t) - 5-year ruleIRMAA - Medicare surtax

Current Year Tax Situation

Filing Status

Ordinary Income (Before Conversion) ($)

Wages, business income, RMDs, other ordinary income this year. Conversion adds on top of this.

Conversion Amount ($)

Amount to convert from traditional IRA or pre-tax 401(k) to Roth. Fully taxable as ordinary income in year of conversion. IRC 408A(d)(3).

Traditional IRA Balance ($)

Non-Deductible IRA Basis ($)

After-tax (Form 8606) basis in all traditional IRAs. Pro-rata rule: basis ratio reduces taxable portion. IRC 408(d)(2).

Current Age

Expected Future Tax Rate (in Retirement)

The rate at which you expect to pay tax on IRA withdrawals in retirement. Key driver of conversion benefit.

Expected Annual Return

Years Until Withdrawal

Results

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