Planning workspace · reviewed October 10, 2026

Roth conversion planner

A conversion decision joins two questions: how much of the amount is taxable, and what additional income may mean for your tax return.

2025 standard rules · 2026 form projections

Hypothetical beginning-of-year conversions followed by annual investment growth. Taxes are paid from funds outside the modeled accounts. Later years inflate the verified 2026 brackets; these are assumptions, not enacted future brackets.

Tax yearPlanning horizon (years)Starting traditional IRA balance ($)Starting Roth balance ($)Starting nondeductible basis ($)Annual investment growth (decimal)Future bracket inflation (decimal)Filing statusCurrent ageRetirement age markerConversion tax bracket ceilingCaps taxable conversion income at the chosen bracket's upper boundary. Other tax interactions are excluded.

Adjust each year

Annual income and requested conversion assumptions
Year	Baseline taxable income	Requested conversion
2026	2026 baseline taxable income ($)	2026 requested conversion ($)
2027	2027 baseline taxable income ($)	2027 requested conversion ($)
2028	2028 baseline taxable income ($)	2028 requested conversion ($)
2029	2029 baseline taxable income ($)	2029 requested conversion ($)
2030	2030 baseline taxable income ($)	2030 requested conversion ($)

Projected annual balances and tax

Total estimated conversion tax$22,000.00

Roth at horizon$116,038.26

IRA without conversions$127,628.16

Chart series

Gray: traditional IRA. Green: Roth. Maximum plotted balance: $116,038.26. Read exact values in the table.

Projected results — future thresholds and growth are hypothetical
Year / age	Conversion	Taxable	Estimated tax	Ending IRA	Ending Roth	Basis
2026 / 40	$20,000.00	$20,000.00	$4,400.00	$84,000.00	$21,000.00	$0.00
2027* / 41	$20,000.00	$20,000.00	$4,400.00	$67,200.00	$43,050.00	$0.00
2028* / 42	$20,000.00	$20,000.00	$4,400.00	$49,560.00	$66,202.50	$0.00
2029* / 43	$20,000.00	$20,000.00	$4,400.00	$31,038.00	$90,512.63	$0.00
2030* / 44	$20,000.00	$20,000.00	$4,400.00	$11,589.90	$116,038.26	$0.00

* Projected brackets. Retirement age only marks the timeline; edit annual income to model a retirement income change.

Hypothetical projection: beginning-of-year conversions, then annual growth; taxes paid from external funds.
2025/2026 brackets are verified. Later years inflate the 2026 thresholds by the supplied inflation assumption.
Annual income and conversion arrays use supplied annual values; a single value stays constant. Retirement age is a timeline marker, not an assumed income change.
No new contributions, RMDs, penalties, Medicare costs, state taxes or investment tax drag are modeled.

Reviewed October 10, 2026. IRS reference. 2026 Form 8606 output is a planning estimate based on the 2025 structure.

Build a planning range

Try a smaller amount, the intended amount and a larger amount. Write down your income assumptions and available cash for each. Keep state taxes, credits, Medicare premiums and other income-related effects on a separate review list.

Avoid false precision

The federal estimate is an estimate of incremental ordinary income tax under the selected assumptions. It is not a prediction of your full return or an instruction to convert.

Sources and next steps

Reviewed October 10, 2026. This independent educational website is not affiliated with the IRS. Special transactions need professional review.

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