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 QuantCalc’s 2026 federal tax, Social Security taxability, IRMAA, ACA subsidy, and state-tax modules in your browser — the JavaScript copies of the engine the full plan runs on the server. 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

Current age

Plan end age Typically your Required Minimum Distribution age

Filing status

Household size For the ACA subsidy threshold, if you're on a Marketplace plan On ACA marketplace insurance

State

Traditional IRA / 401(k) balance ($)

Current Roth balance ($)

Roth contributions in that balance ($) What you put in as regular Roth contributions (not conversions or growth). They come out first, free of tax and the 10% at any age. Leave blank to treat the whole Roth balance as contributions.

Year of your first Roth contribution or conversion Starts the five-year clock for tax-free Roth earnings. Leave blank to treat the account as open at least five years (2021 or earlier).

Taxable brokerage balance ($) Used to pay the tax on a conversion without touching the IRA

Annual living expenses ($)

Estimated Social Security benefit ($/yr) Annual benefit at your claiming age, in today's dollars

Social Security claiming age

Pension income ($/yr)

Pension start age

Pension type

Spouse's current age Leave blank if your spouse is your age. Sets your spouse's deductions, Medicare start and required-distribution table. My spouse is the sole beneficiary of my traditional IRA / 401(k) The IRS Joint Life table (smaller required distributions) applies only when your spouse is the sole beneficiary and more than ten years younger.

Spouse's share of pension ($/yr) Split between spouses: the part of the pension paid to your spouse. Some states cap retirement-income exclusions per spouse, so who receives it can change state tax. Leave blank to treat it as one household pension.

Traditional IRA / 401(k) owner Conversions come out of one spouse's account. In states with per-spouse exclusion caps, whose IRA converts can change state tax.

Expected real return (%/yr)

Healthcare profile Estimated annual out-of-pocket cost, used in the ACA subsidy math below Medicare age

This year, at a glance

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

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

$22,301

Lifetime tax — converting nothing

$58,273

What the plan keeps for this household

$29,003

vs. converting nothing

Across ages 62–72 this schedule moves $245,628 into the Roth and finishes with $28,321 more in the accounts than the same household converting nothing. Counting Medicare surcharges alongside tax, the two paths cost $22,301 and $58,273. 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	$19,661	$62,595	400%	$356	$1,278	$0	$7,301	$688
63	$964	$42,228	270%	$0	$718	$0	$10,030	$688
64	$0	$41,155	263%	$0	$688	$0	$10,597	$688
65	$50,516	$62,600	400%	$3,636	$1,228	$0	$4,105	$0
66	$62,600	$62,600	400%	$5,086	$1,228	$0	$0	$144
67	$24,600	$37,260	400%	$2,045	$0	$0	$0	$9,344
68	$24,600	$37,260	400%	$2,045	$0	$0	$0	$9,344
69	$20,972	$30,548	377%	$1,240	$0	$0	$0	$9,344
70	$20,665	$29,981	375%	$1,183	$0	$0	$0	$9,344
71	$21,049	$30,691	377%	$1,257	$0	$0	$0	$9,344
72	$0	$21,277	345%	$313	$0	$0	$0	$9,344

Ages 62–64 are on marketplace coverage, and so is the part of age 65 before the 65th birthday (the plan assumes a mid-year birthday: six months), and the subsidy column shows what the schedule keeps there — at 62, 63 and 65 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 (for the Medicare months only in the year you turn 65), 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

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 →

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Model your whole retirement, not just conversions

This page prices your Roth conversion decision. The full QuantCalc planner runs a Monte Carlo (100 paths free, up to 10,000 with PRO) over your entire retirement — withdrawals, taxes, Roth conversions, and sequence risk together.

Model your whole retirement — free Monte Carlo planner →

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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.