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Tax Planning Tool

Roth conversion calculator
with the parts most calculators skip

Most Roth calculators show you federal tax and stop. This one also models your state — which matters enormously in Illinois — the Medicare IRMAA cliff two years out, and the senior deduction phase-out. 2026 figures.

Used for the senior deduction and how close you are to RMDs. On a joint return we credit one qualifying person — if you are both 65 or over, your deduction is larger than shown.
Enter an age between 30 and 100.
Before the conversion. Pensions, interest, dividends, part-time work, taxable Social Security.
Enter your other income.
Enter your pre-tax balance.
Enter an amount to convert.

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Your conversion, modelled

—
effective tax rate on the amount converted

What the conversion costs

Where it puts you

What's left behind

Numbers are the easy part. Whether to convert, and how much, depends on things a calculator can't see.

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Educational purpose only. This calculator is a general educational tool using 2026 federal tax brackets, standard deductions, Medicare IRMAA thresholds and state rates. It is not tax advice, a projection, or a recommendation, and it does not consider your full circumstances. It uses simplified assumptions and does not model the taxation of Social Security benefits, the 3.8% net investment income tax, the alternative minimum tax, capital gains stacking, ACA premium credits, state-specific deductions or credits, the pro-rata rule where you hold non-deductible basis, or any multi-year strategy. Your actual result will differ.

No guarantee of results. No representation is made that any individual will achieve results similar to those discussed or implied. Tax law changes.

Investment advisory services offered through Bayworth Capital (Xceed Capital Management, LLC), a registered investment adviser (CRD #284360). Registration does not imply a certain level of skill or training. The firm is not engaged in the practice of law or accounting. Insurance products and services are offered through Xceed Planning, LLC (CA License #0L96506); affiliated but separate entities. Form ADV and Form CRS at adviserinfo.sec.gov.

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