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You
Your 2026 income
Yearly amounts, before tax. Leave anything that doesn’t apply blank.
Deductions
Otherwise the standard deduction is used, with the extra amount for each person 65 or older.
Enter your age to see your results.
Your room to convert in 2026
Your 2026 income sets your 2028 Medicare premiums. 2028 thresholds aren’t published yet; these use the 2026 thresholds, which usually rise each year.
What the next $10,000 costs
Each bar is the estimated federal tax on one more $10,000 of conversion, as a share of that $10,000. Bars that rise above your bracket rate are where Social Security, the senior deduction or your gains are pulling in more tax.
Conversion amounts compared
| Convert | Federal tax added (est.) | Rate on the conversion |
|---|
A one-year number is only half the answer.
The Roth Conversion Plan maps a year-by-year conversion schedule to your RMD age, against brackets, IRMAA, Social Security and the senior deduction window that closes after 2028. $799, signed by a CPA.
Rather talk it through? Request a call.
What this doesn’t include
State tax, the net investment income tax, AMT, the QBI deduction, the effect on premium tax credits before 65, the five-year rules for Roth withdrawals, and tax rates in future years. It also doesn’t tell you whether to convert: that depends on years this page can’t see.
Estimates for 2026 using federal figures only, from the inputs you entered. Not tax advice for your situation and not a guarantee of any result. State taxes, the net investment income tax, AMT and other items are not included. See how this is calculated.