Roth Conversion Ladder Planner: filling each bracket

2026 law · reviewed September 4, 2026

A $600,000 pre-tax balance converted by a couple with $60,000 of other income at a 5 percent return, filling each bracket in turn, 2026 tables held constant (Rev. Proc. 2025-32)
Bracket filled	Room in year one	Years to finish	Total tax	Effective rate
12%	$73,000	11 years	$89,189	12.0%
22%	$183,600	4 years	$111,080	17.4%
24%	$375,750	2 years	$124,747	20.4%

A $600,000 pre-tax balance converted by a couple with $60,000 of other income at a 5 percent return, filling each bracket in turn, 2026 tables held constant (Rev. Proc. 2025-32).

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