Roth Conversion: Fill-the-Bracket Calculator

🔒 Everything runs in your browser. No numbers are typed, saved, or sent anywhere unless you choose to. Remember my inputs on this device

1. Your situation

Filing status

Are you 65 or older?

This adds the extra standard deduction the IRS gives people 65+.

You are 65+ Spouse is 65+

Estimated income this year, BEFORE any conversion

Your expected total income this year before any Roth conversion: pensions, interest, dividends, any wages, taxable Social Security, etc. This is your adjusted gross income (AGI). An estimate is fine.

Traditional IRA / 401(k) balance available to convert

Used only to cap how much you could convert. The tool never tells you to convert all of it.

How much do you want to convert?

Fill to the top of my current bracket Fill to the top of a chosen bracket Convert a specific dollar amount

Looking ahead (optional)

The tax rate you expect to pay on this money LATER if you do NOT convert

Many people face a higher rate later because of required minimum distributions (RMDs) and the switch to single-filer brackets after a spouse passes. This is your estimate.

2. Your answer

Fill in your situation above and your answer will appear here.

Tax assumptions (edit when the IRS updates them)

Tax year: — Verify against the IRS before relying on it. The figures below are pre-filled with the most recent values we could confirm and should be checked and updated for your tax year.

Federal ordinary-income brackets (by filing status)

Enter each bracket's rate and the income at the top of that bracket. The highest bracket has no ceiling. You can edit, add, or remove rows.

Standard deduction

Additional standard deduction, per person age 65+

IRMAA income thresholds (Medicare premium step-ups)

The income points where Medicare Part B & D premiums step up. Used only for the heads-up warning, never in the tax math. Enter the lower edge of each higher tier.

Single (also used for Head of Household)

Married Filing Jointly