Roth Conversion Analyzer — BlueLine Advisors
BlueLine Advisors

Roth Conversion Analyzer

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

📅 Based on 2026 federal tax brackets
🎯 Bracket-fill analysis
🔒 No sign-up required
Account & Filing
$
yrs
yrs
Other Income This Year
$
$
$
$
Your Current Position
Where the entered income places you within 2026 federal brackets — and how much room remains in the current bracket before crossing into the next.
Currently in the 12% bracket
Room in this bracket
$95,800
Taxable Income
$5,000
Estimated Tax
$500
Marginal Rate
12%
Bracket-Fill Conversion Opportunities
Illustrative amounts that could be converted from Traditional to Roth this year while staying within each specified federal tax bracket. Larger conversions may be considered but typically incur progressively higher marginal rates.
Fill the 12% Bracket
Lowest-Rate Conversion
Potential Conversion
$95,800
Estimated additional tax$11,496
Effective rate on conversion12.0%
Remaining Traditional balance$704,200
Converts up to the top of the 12% bracket. Often considered the most conservative bracket-fill approach, particularly in lower-income years.
Fill the 22% Bracket
Moderate-Rate Conversion
Potential Conversion
$206,400
Estimated additional tax$35,828
Effective rate on conversion17.4%
Remaining Traditional balance$593,600
Converts up to the top of the 22% bracket. May be considered when expected future rates are at or above 22%, or to reduce future RMD pressure.
Fill the 24% Bracket
Higher-Rate Conversion
Potential Conversion
$398,550
Estimated additional tax$81,944
Effective rate on conversion20.6%
Remaining Traditional balance$401,450
Converts up to the top of the 24% bracket. This wider band may be considered when meaningful future tax-rate increases or large RMDs are anticipated.
Considerations
Important Assumptions This illustration uses 2026 federal ordinary income tax brackets and standard deductions as published by the IRS. The tool assumes the standard deduction with no itemization, no qualified dividends or long-term capital gains preferential treatment, and treats interest and dividends as ordinary income for simplicity. Social Security taxability is calculated using current federal provisional income thresholds, which are not inflation-adjusted by statute. The tool does not model state or local income taxes, Net Investment Income Tax (3.8% NIIT), Additional Medicare Tax, Medicare IRMAA premium surcharges (which can be triggered by large conversions and affect premiums two years later), Required Minimum Distributions, pro-rata rules for converting partially after-tax IRAs, or the 5-year rule for converted amounts. Conversions are assumed to come from fully pre-tax Traditional IRA balances. Tax brackets are inflation-adjusted annually and may change. Actual tax outcomes depend on individual circumstances and are subject to 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 conversion strategy is appropriate — including future tax-rate expectations, Required Minimum Distributions, Medicare premium surcharges, Social Security taxation interactions, beneficiary tax considerations, and the source of funds used to pay conversion taxes. A BlueLine Advisors consultation can help review these factors in the context of your specific situation.

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This tool is for general informational and educational purposes only and does not constitute financial, investment, tax, or legal advice.
Tax calculations use 2026 federal brackets for illustrative purposes only and do not account for all federal tax provisions, state or local taxes, or individual circumstances.
For guidance suited to your circumstances, please speak with a licensed BlueLine Advisors representative and consult a qualified tax professional.

Disclosure:

This tool is for educational and informational purposes only. Results are hypothetical, based on user inputs and assumptions, and are not guarantees of future results. Actual outcomes may differ materially. This tool does not provide investment, tax, legal, accounting, valuation, or financial planning advice. Use of this tool does not create an advisory relationship with BlueLine Advisors, LLC. Please consult qualified professionals before making financial decisions.