Roth conversion ladder planner
Multi-year Roth conversion projection with federal tax + IRMAA bracket impact. See the full math: how much you'll convert, how much federal tax you'll pay, what your IRMAA surcharge will look like 2 years later, and what's left in your traditional balance after the ladder.
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Year-by-year projection
| Year | Age | Converted | Trad bal | Taxable inc | Fed tax (conv) | Eff rate | IRMAA B+D /mo |
|---|---|---|---|---|---|---|---|
| 2026 | 65 | $50,000 | $1,010,000 | $130,000 | $9,305 | 18.6% | $0 |
| 2027 | 66 | $50,000 | $1,020,600 | $130,000 | $9,305 | 18.6% | $0 |
| 2028 | 67 | $50,000 | $1,031,836 | $130,000 | $9,305 | 18.6% | $0 |
| 2029 | 68 | $50,000 | $1,043,746 | $130,000 | $9,305 | 18.6% | $0 |
| 2030 | 69 | $50,000 | $1,056,371 | $130,000 | $9,305 | 18.6% | $0 |
| 2031 | 70 | $50,000 | $1,069,753 | $130,000 | $9,305 | 18.6% | $0 |
| 2032 | 71 | $50,000 | $1,083,938 | $130,000 | $9,305 | 18.6% | $0 |
| 2033 | 72 | $50,000 | $1,098,975 | $130,000 | $9,305 | 18.6% | $0 |
IRMAA shown in monthly amount per person. For joint filers, both spouses pay this surcharge — total is 2x the monthly amount shown. IRMAA hits 2 years after the conversion year.
Estimates only. Uses 2026 federal brackets and IRMAA tiers without inflation adjustment. State tax not included. Capital gains, NIIT, AMT, and other tax interactions not modeled. Run results past a CPA before executing a multi-year conversion strategy. The Medicare Course (Module 10 — IRMAA) covers bracket-cliff timing in detail.
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