QuantCalc Roth Conversion Planner
Retirement Planner All tools

Roth Conversion Planner (2026)

A year-by-year conversion plan that weighs federal + state tax, Medicare IRMAA surcharges, and the ACA subsidy cliff together — so you keep more of your money on the conversion decision instead of guessing.

Enter your balances, income, and timeline below and this page runs the exact same 2026 federal tax, Social Security taxability, IRMAA, ACA subsidy, and state-tax modules that power the full QuantCalc planner. The free preview prices this year's conversion instantly. Unlocking the full plan adds every year from now through Medicare (or your chosen end age), a side-by-side comparison against converting nothing at all, and a personalized PDF you can take to a CPA. See a full worked schedule for an example household →

Your situation

Nothing here is uploaded — every number stays in your browser until you choose to unlock the full plan.

Typically your Required Minimum Distribution age
For the ACA subsidy threshold, if you're on a Marketplace plan
Used to pay the tax on a conversion without touching the IRA
Annual benefit at your claiming age, in today's dollars
Estimated annual out-of-pocket cost, used in the ACA subsidy math below Medicare age

This year, at a glance

Free preview — priced with the same 2026 engine as the full plan below, validated against a 7,934-case tax reference set.

Enter your details above and select “Calculate my conversion” to see this year's conversion headroom, tax cost, and Medicare/ACA impact.
Example household — not your numbers

What the full plan looks like

One complete schedule for a household we invented, produced by the same engine the full plan runs. Your own schedule is built from the details you enter above.

Assumptions. Age 62, single filer in Ohio, household of 1, planning through age 73. Traditional IRA / 401(k) $1,900,000, Roth $90,000, taxable brokerage $260,000. Living expenses $75,000/yr; Social Security $38,000/yr claimed at 67; no pension. 5% real return, marketplace coverage until Medicare with a low healthcare profile, subsidy ceiling 400% of the federal poverty line.

Lifetime tax — with this plan
$25,882
Lifetime tax — converting nothing
$59,984
What the plan keeps for this household
$28,607
vs. converting nothing

Across ages 62–72 this schedule moves $233,797 into the Roth and finishes with $29,763 more in the accounts than the same household converting nothing. Counting Medicare surcharges alongside tax, the two paths cost $25,882 and $59,984. The last column of the table prices each single year with no conversions, so the year-by-year trade is visible too.

Example household — year-by-year conversion schedule, ages 62–72
Age Conversion MAGI % of FPL Federal tax State tax IRMAA ACA subsidy Converting nothing: tax + IRMAA
62$0$40,975262%$0$344$0$10,233$344
63$0$40,975262%$0$344$0$10,614$344
64$7,474$49,210314%$0$571$0$9,549$344
65$48,541$62,600400%$3,645$939$0$0$0
66$62,600$62,600400%$5,332$939$0$0$0
67$24,600$37,260400%$2,291$0$0$0$9,825
68$24,600$37,260400%$2,291$0$0$0$9,825
69$24,600$37,260400%$2,291$0$0$0$9,825
70$24,600$37,260400%$2,291$0$0$0$9,825
71$16,783$37,260400%$2,291$0$0$0$9,825
72$0$37,422401%$2,311$0$0$0$9,825

Ages 62–64 are on marketplace coverage, and the subsidy column shows what the schedule keeps there — at 64 it gives up part of the credit to open conversion room, which is the trade the engine is weighing. From 65 the IRMAA column takes over, set by the MAGI from two years earlier — and it reads $0 in every row, because this schedule keeps MAGI below the first surcharge tier throughout. On a larger balance, or a faster conversion, it does not.

The PDF that comes with the full plan carries this same year-by-year schedule — age, conversion, MAGI, federal tax, state tax and IRMAA — next to the assumptions behind it, ready to hand to a CPA.

Every figure above is engine output for the fictional household described, on 2026 law. This is a planning tool, not advice, and a schedule moves when the assumptions behind it move.

Your full multi-year plan PRO

Every year from now through your plan end age, optimized against federal + state tax, IRMAA, and the ACA cliff together — compared side-by-side with converting nothing at all.

Lifetime tax — with this plan
Lifetime tax — converting nothing
What the plan keeps for you
vs. converting nothing
Age Conversion MAGI % of FPL Federal tax State tax IRMAA ACA subsidy

Unlock your full conversion plan

Every year through Medicare, the do-nothing comparison, and a personalized PDF. Includes the ACA Bridge Planner: a year-by-year Roth-conversion and withdrawal-order plan that keeps you under your chosen subsidy ceiling before Medicare. See a full worked schedule first →

Unlock the full plan — $49 once
Already purchased QuantCalc PRO? Paste your key

Model your whole retirement, not just conversions

This page prices your Roth conversion decision. The full QuantCalc planner runs a free 10,000-path Monte Carlo over your entire retirement — withdrawals, taxes, Roth conversions, and sequence risk together.

Model your whole retirement — free 10,000-path Monte Carlo →

Related QuantCalc tools & guides

Methodology & scope. 2026 figures follow IRS Rev. Proc. 2025-32 (ordinary brackets, standard deduction), the statutory IRMAA MAGI tiers (two-year lookback), the ACA federal poverty line percentages, and each state's top-marginal tax treatment. Social Security taxability and the Required Minimum Distribution divisor sequence follow current law. This tool is educational only, not tax or investment advice; confirm any conversion decision with a CPA or fee-only advisor.