What does the Roth Conversion Calculator with IRMAA Cliff — 2026 show?

Size a Roth conversion to fill your tax bracket without crossing the next Medicare IRMAA threshold. Shows your conversion tax, headroom to the next IRMAA tier, and the surcharge a misstep would trigger two years later.

How should I use the result?

Use the result as a planning and comparison aid. Review the assumptions, adjust your inputs, and compare the output with your actual options before acting.

What should I do after using this calculator?

Use the related links and next-action modules on the page to compare products, continue in Money Map, or review related guidance on SwitchWize.

Roth Conversion Calculator with IRMAA Cliff — 2026

Size a Roth conversion to fill your tax bracket without crossing the next Medicare IRMAA threshold — see your conversion tax, headroom to the cliff, and the surcharge a misstep triggers.

Your MAGI After the Conversion

$130,000

Inputs

Filing Status (sets your first IRMAA threshold)

Filing Status — IRMAA Tier-1 Annual Surcharge

Your Other Income This Year (MAGI before conversion)

$0$1,000,000

Roth Conversion Amount

$0$1,000,000

Marginal Tax Rate on the Converted Amount (%)

Your State Income Tax Rate (%)

0%14%

Your MAGI After the Conversion

$130,000

Largest Conversion That Stays Under the IRMAA Cliff

$168,000

Federal Tax on the Conversion

$17,600

State Tax on the Conversion

$4,000

Coach Insight

Roth Conversion Calculator with IRMAA Cliff — 2026 helps users make a investing & retirement decision with clearer numbers, assumptions, and next actions.

Frequently Asked Questions

Everything you need to know.

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Why This Matters

Roth Conversion Calculator with IRMAA Cliff — 2026 helps users make a investing & retirement decision with clearer numbers, assumptions, and next actions.