Find your Roth conversion window before RMDs
Estimate how much room you may have in a lower tax bracket before RMDs begin. The calculator uses deterministic 2026 federal tax data, shows its assumptions, and gives you a checklist to bring to your CPA. No signup, no account required.
Quick answer
The best Roth conversion window is often the gap after work income falls but before Social Security, pensions, and RMDs push taxable income higher. Use this tool to estimate bracket room, then check IRMAA and state-tax effects before converting.
What this tool does: estimates bracket-fill capacity for one filing year and projects it across your pre-RMD window. Surfaces an IRMAA warning when conversion could push household income past Medicare premium thresholds.
What this tool does not do: give personalized recommendations, model state tax, model ACA premium tax credits, pick an exact conversion amount, or replace a CPA review.
See the methodology page for assumptions, limitations, and version history.
Could you have a Roth conversion window before RMDs?
Estimate how much room you may have in a lower federal tax bracket before required minimum distributions begin. Educational scenario based on 2026 federal tax data — for learning purposes only, not a substitute for a tax professional.