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
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.
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
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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. 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.
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.
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.
