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.

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.

Current Age

Your age today (18–100)

Filing Status

Used to look up educational federal brackets.

Current Annual Income ($)

Wages, pensions, and other ordinary income before any conversion

Traditional IRA / 401(k) Balance ($)

Pre-tax retirement balances eligible for conversion

Roth Balance ($)

Existing Roth IRA / Roth 401(k) balances

Taxable Brokerage Balance ($)

Non-retirement brokerage and savings

Annual Spending Need ($)

Total household spending you expect each year

Expected Social Security (annual, $)

Annual Social Security benefit when claimed (0 if none or unsure)

Target Federal Bracket

The bracket you would consider converting up to. Talk with a CPA before acting.