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What Will This Roth Conversion Really Cost?

Your tax bracket is only part of the story. A conversion can also change how much of your Social Security is taxed, the rate on your capital gains, and your Medicare premium two years from now.

Free, no signup, and RetireSmartIRA does not receive or store what you enter.

Working out a required minimum distribution instead? Use the RMD calculator for your own accounts, or the inherited IRA calculator for an account you inherited from someone else.

Figures below are for tax year 2026. Enter the income you expect for that year.

Filing status

Age 65 for 2026 tax purposes.

Wages, pension income, IRA withdrawals, taxable interest and other ordinary income. Do not include Social Security, qualified dividends or long-term capital gains, which are entered separately.

If 2026 is your first year of benefits, enter only the months you will actually be paid.

Enter a conversion amount above to see what it would cost.

Medicare: not included, because enrollment status is unknown. If you will be on Medicare in 2028, add that under Medicare / IRMAA above: it can add thousands.

Calculations happen entirely in your browser. RetireSmartIRA does not receive or store the financial information you enter into this calculator. This site uses Google Analytics to measure page views; that is separate from anything you type above. You can verify that in your browser's Network tab: the page load and an analytics ping are the only requests, and neither carries your figures.

This is one year of a decision that runs twenty. RetireSmartIRA models the whole ladder, with your state, IRMAA, RMDs and what your spouse faces alone afterward.

See the multi-year planner →