Roth conversion calculator

Filing status

Your age at year end

Spouse’s age at year end

State

Social Security a year ($)

IRA, 401(k) and pension income ($)

Interest and other taxable income ($)

Qualified dividends ($)

Amount to convert ($)

Tax on the conversion$6,42212.8% of $50,000

Federal bracket10% → 12%Before and after converting

Medicare IRMAA in 2028No changeMAGI $29,000 → $100,500 (illustrative 2028 tiers)

Converting $50,000 adds about $6,422 of 2026 income tax, 12.8% of the amount converted. That is more than your bracket rate because the conversion also makes more of your Social Security taxable.

Free Roth conversion calculator by Killion Labs. Tables, worked examples and assumptions are on the full page.