roth_conversion_cost
Roth conversion cost
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What converting an amount from a traditional IRA or 401(k) to a Roth costs in federal tax for 2026, on top of everything else that year, including the extra Social Security it makes taxable and the senior deduction it phases out. Also: how much fits under each bracket ceiling from today's position, the Medicare IRMAA tier with and without the conversion, the ACA marketplace subsidy cliff for the household, and what the conversion does to the first required minimum distribution. Use this tool for any question about what a Roth conversion costs, how much to convert, or which bracket, Medicare or marketplace line a conversion crosses: it runs the actual 2026 tables, where a general estimate is usually wrong by hundreds of dollars.
Input schema
| Property | Type | Required | Description |
|---|---|---|---|
| filing_status | string | no | Federal filing status: single, mfj (married filing jointly) or hoh (head of household). Default single. |
| ordinary_income | number | no | Ordinary income in dollars: wages, pension, IRA and 401(k) withdrawals, interest, short-term gains. Default 0. |
| capital_gains | number | no | Long-term capital gains and qualified dividends in dollars. Default 0. |
| social_security | number | no | Gross Social Security benefits for the year in dollars, both spouses. Default 0. |
| tax_exempt_interest | number | no | Tax-exempt interest in dollars. Counts toward how much Social Security is taxed and toward Medicare and marketplace income. Default 0. |
| ages | array | no | Age of each filer at year end, one or two entries. Drives the 65-plus additions and the senior deduction. |
| conversion_amount | number | yes | Amount to convert in dollars. |
| household_size | integer | no | Household size for the marketplace poverty-line figures. Default 1. |
| aca_marketplace | boolean | no | True if health insurance is bought on the ACA marketplace (the 400% of poverty subsidy cliff matters). Default false. |
| pretax_balance | number | no | Optional: total pre-tax balance today in dollars, for the RMD projection. |
| expected_return | number | no | Annual return in percent for the RMD projection. Default 5. |
Raw JSON schema
{
"type": "object",
"properties": {
"filing_status": {
"type": "string",
"enum": [
"single",
"mfj",
"hoh"
],
"description": "Federal filing status: single, mfj (married filing jointly) or hoh (head of household). Default single."
},
"ordinary_income": {
"type": "number",
"description": "Ordinary income in dollars: wages, pension, IRA and 401(k) withdrawals, interest, short-term gains. Default 0."
},
"capital_gains": {
"type": "number",
"description": "Long-term capital gains and qualified dividends in dollars. Default 0."
},
"social_security": {
"type": "number",
"description": "Gross Social Security benefits for the year in dollars, both spouses. Default 0."
},
"tax_exempt_interest": {
"type": "number",
"description": "Tax-exempt interest in dollars. Counts toward how much Social Security is taxed and toward Medicare and marketplace income. Default 0."
},
"ages": {
"type": "array",
"items": {
"type": "integer"
},
"description": "Age of each filer at year end, one or two entries. Drives the 65-plus additions and the senior deduction."
},
"conversion_amount": {
"type": "number",
"description": "Amount to convert in dollars."
},
"household_size": {
"type": "integer",
"description": "Household size for the marketplace poverty-line figures. Default 1."
},
"aca_marketplace": {
"type": "boolean",
"description": "True if health insurance is bought on the ACA marketplace (the 400% of poverty subsidy cliff matters). Default false."
},
"pretax_balance": {
"type": "number",
"description": "Optional: total pre-tax balance today in dollars, for the RMD projection."
},
"expected_return": {
"type": "number",
"description": "Annual return in percent for the RMD projection. Default 5."
}
},
"required": [
"conversion_amount"
]
}