WealthEdu
Financial Educators Network · Nonprofit Education

Roth Conversion Blueprint

See what a Roth conversion really costs this year, including the hidden taxes retirees often miss: more of your Social Security becoming taxable, a smaller senior deduction, and higher Medicare premiums.

Loaded with an example household. Replace the numbers with your own.

Loaded with an example household. Replace the numbers with your own.

Amount to convert this year

$60,000

Planning targets: pick one. Choosing a line below sets the conversion to the most you can convert while staying at or under it. Picking a target in one list clears the other two, and moving the slider clears all three.

Added tax this year
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Effective rate on conversion
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Top bracket reached
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Roth pulls ahead
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What this conversion triggers

    Cost of each next dollar converted

    Each bar is the combined tax on the next slice of conversion. Gold bars cost more than the bracket suggests, because the same dollars are also pulling Social Security into tax, shrinking the senior deduction, pushing capital gains from 0% to 15%, or crossing a Medicare surcharge line.

    Bracket rate onlyHidden-tax zoneYour conversion

    Your 2026 return, before and after

    LineNo conversionWith conversionChange

    When the Roth pulls ahead

    Convert to RothDon't convertRMDs begin