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.

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

State

Traditional IRA / 401(k) balance ($)

Current Roth balance ($)

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

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.

Your full multi-year plan PRO

Lifetime tax — with this plan

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Lifetime tax — converting nothing

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What the plan keeps for you

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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 — all computed client-side, nothing uploaded.

Unlock the full plan — $99 once

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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

Free Roth conversion optimizer (single-year sweet spot) RMD age calculator IRMAA projection tool All calculators Full retirement planner

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.