Roth Conversion Strategy Analyzer

Roth conversions can create valuable long-term tax planning opportunities depending on your income strategy and future tax expectations. BlueLine Advisors provides personalized, tax-aware financial planning for individuals and families across New Hampshire and nationwide.

How much could you convert this year?

Enter your Traditional IRA balance and other income to see an illustrative estimate of how much you could convert while staying within specific federal tax brackets, using 2026 IRS brackets. Results explore the tax cost of a single-year conversion only.

📅 2026 federal tax brackets 🎯 Bracket-fill analysis 🔒 No sign-up required
Account & Filing
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Other Income This Year
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Your Current Position
Where your entered income places you within 2026 federal brackets — and how much room remains before crossing into the next.
Currently in the
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Room in this bracket: —
Taxable Income
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Estimated Tax
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Marginal Rate
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Bracket-Fill Conversion Opportunities
Illustrative amounts that could be converted from Traditional to Roth this year while staying within each federal bracket. Larger conversions may be considered but typically incur progressively higher marginal rates.
Lowest-Rate Conversion

Fill the 12% Bracket

Potential Conversion
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Estimated additional tax—
Effective rate on conversion—
Remaining Traditional balance—
Converts up to the top of the lower bracket. Often considered the most conservative bracket-fill approach, particularly in lower-income years.
Moderate-Rate Conversion

Fill the 22% Bracket

Potential Conversion
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Estimated additional tax—
Effective rate on conversion—
Remaining Traditional balance—
Converts up to the top of the middle bracket. May be considered when expected future rates are at or above this level, or to reduce future RMD pressure.
Higher-Rate Conversion

Fill the 24% Bracket

Potential Conversion
—
Estimated additional tax—
Effective rate on conversion—
Remaining Traditional balance—
Converts up to the top of this wider band. May be considered when meaningful future tax-rate increases or large RMDs are anticipated.
Important Assumptions This illustration uses 2026 federal ordinary income tax brackets and standard deductions. It assumes the standard deduction with no itemization, no qualified-dividend or long-term capital-gains preferential treatment, and treats interest and dividends as ordinary income for simplicity. Social Security taxability uses current federal provisional-income thresholds, which are not inflation-adjusted by statute. The tool does not model state or local taxes, Net Investment Income Tax (3.8%), Additional Medicare Tax, Medicare IRMAA surcharges (which large conversions can trigger two years later), Required Minimum Distributions, pro-rata rules for partially after-tax IRAs, or the 5-year rule. Conversions are assumed to come from fully pre-tax balances. Brackets are inflation-adjusted annually and may change.

Want to evaluate whether a Roth conversion fits your plan?

This tool illustrates the single-year tax math of bracket-fill conversions but does not model the multi-year considerations that often determine whether a strategy is appropriate — future tax-rate expectations, RMDs, Medicare surcharges, Social Security interactions, beneficiary considerations, and the source of funds used to pay conversion taxes. A BlueLine Advisors consultation can help review these in context.

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Important Disclosures

This material is provided by BlueLine Advisors LLC ("BlueLine") for informational and educational purposes only and is not intended as investment, tax, or legal advice. Nothing herein should be construed as a recommendation to buy or sell any security or to adopt any investment strategy. BlueLine Advisors LLC is a registered investment adviser with the U.S. Securities and Exchange Commission. Registration with the SEC does not imply a certain level of skill or training.

All information reflects the views of BlueLine as of the publication date and is subject to change without notice. Forward-looking statements, projections, outlooks, and illustrative examples are not guarantees of future performance and are based on assumptions that may not be realized. Past performance is not indicative of future results. Investing involves risk, including the possible loss of principal. Asset values fluctuate, and investors may receive back less than the amount invested. Diversification does not ensure a profit or protect against loss in declining markets.

Benchmark and index performance is shown for reference only. Indices are unmanaged, are not available for direct investment, and do not reflect the deduction of advisory fees, transaction costs, or other expenses. Any charts, graphs, or tables are for illustrative purposes only and should not be construed as investment advice.

Key assumptions embedded in this tool include: 2026 federal ordinary income tax brackets and standard deductions as published by the IRS; standard deduction applied with no itemization; interest and dividends treated as ordinary income; Social Security taxability calculated using current federal provisional income thresholds; IRA balances assumed to be fully pre-tax with no after-tax basis. This tool does not account for state or local income taxes, Medicare IRMAA premium surcharges (which can be triggered by large conversions and affect premiums two years later), Net Investment Income Tax, Additional Medicare Tax, Required Minimum Distributions, pro-rata rules for partially after-tax IRAs, the 5-year rule for converted amounts, or multi-year conversion planning. Actual tax outcomes will vary. Consult a qualified tax professional before making conversion decisions.