← Advisor dashboard

Tax and equity compensation

Roth conversion bracket fill

How much traditional IRA can be converted this year without leaving a chosen federal bracket, what the conversion costs, and whether it trips a Medicare premium (IRMAA) tier two years out.

$

Federal taxable income for the year, before any conversion.

$

IRMAA matters from 63: Medicare premiums at 65 use this year's income.

%

Used only for the breakeven statement, 0 to 50.

$

At least the taxable income above.

%

For the multi-year table, per year.

1 to 15; income held constant.

Conversion that fills the bracket

—

Loading tax parameters.

Repeat the fill each year

YearStart balanceConversionFederal taxCalifornia taxEffective rateEnd balance
Show the math
Assumptions and limits