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 →
This year, at a glance
What the full plan looks like
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.
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.
| Age | Conversion | MAGI | % of FPL | Federal tax | State tax | IRMAA | ACA subsidy | Converting nothing: tax + IRMAA |
|---|---|---|---|---|---|---|---|---|
| 62 | $0 | $40,975 | 262% | $0 | $344 | $0 | $10,233 | $344 |
| 63 | $0 | $40,975 | 262% | $0 | $344 | $0 | $10,614 | $344 |
| 64 | $7,474 | $49,210 | 314% | $0 | $571 | $0 | $9,549 | $344 |
| 65 | $48,541 | $62,600 | 400% | $3,645 | $939 | $0 | $0 | $0 |
| 66 | $62,600 | $62,600 | 400% | $5,332 | $939 | $0 | $0 | $0 |
| 67 | $24,600 | $37,260 | 400% | $2,291 | $0 | $0 | $0 | $9,825 |
| 68 | $24,600 | $37,260 | 400% | $2,291 | $0 | $0 | $0 | $9,825 |
| 69 | $24,600 | $37,260 | 400% | $2,291 | $0 | $0 | $0 | $9,825 |
| 70 | $24,600 | $37,260 | 400% | $2,291 | $0 | $0 | $0 | $9,825 |
| 71 | $16,783 | $37,260 | 400% | $2,291 | $0 | $0 | $0 | $9,825 |
| 72 | $0 | $37,422 | 401% | $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.
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.
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