Free Tool · Bracket & IRMAA Math

How Much Can You Convert
Before the Next Bracket?

Roth conversion math, made plain: see exactly how much you can convert from a Traditional IRA to a Roth in 2026 before crossing the next federal tax bracket — or triggering an IRMAA Medicare premium surcharge two years from now.

Pure publicly-available IRS bracket math. Not financial advice.

We serve anyone navigating Social Security and retirement income decisions, including those without a financial advisor. Free, educational, no products sold.

Step 1

Your 2026 income picture

Enter your projected 2026 taxable income before any Roth conversion. We use that as the starting point and show how much room you have at each bracket above.

2026 standard: $32,200 MFJ · $16,100 single.
Age 65+ add-on: +$1,650 each spouse MFJ · +$2,050 single.
OBBBA bonus (2025–2028): +$6,000 per qualifying senior 65+, phases out 6¢/$1 over $150k MFJ / $75k single MAGI.
Step 2

Conversion amount you’re considering

Pick a number to test. The results below will show what bracket you end up in, the marginal tax cost, and whether you trip an IRMAA tier 2 years from now.

Want this walked through with you?

This tool runs the math. Hans walks through how the publicly available IRS bracket rules and Medicare IRMAA tiers apply to your specific numbers. Pure math education, not financial advice. No products sold.

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