Roth Conversion Room Calculator
How much can I convert to a Roth before the next tax bracket or Medicare tier? Every piece below can be linked to, so it opens in a window on your reader's screen, current as of the record. No form to fill in.
2026 law · Reviewed September 4, 2026 · The full page, with methodology and sources · the terms · All tools
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Adjusted gross income, filing status, and a conversion amount on a slider in; the room in the bracket, the tax on the conversion, and the Medicare tier effect out. In a frame it carries no cookies, no tracking, and a visible link back to the methodology. Your site has to allow frames; most do. The link that opens it in a small window is on the professionals page.
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- In plain words.
- A Roth conversion moves money from a pre-tax retirement account to a Roth account, and you pay income tax on the amount moved that year. Tax rates go up in steps called brackets, and Medicare premiums go up in steps called tiers. This tool takes your income and shows how much room is left in your current bracket and before the next Medicare tier, and what a conversion of any size would cost.
- Why it matters.
- A conversion sized to the room costs the current rate; one that runs past it costs the next rate on the excess, and can raise Medicare premiums two years later. The room is the number to convert to, not past.
- An example.
- A single person with $100,000 of income has about $21,800 of room in the 22 percent bracket. Converting $30,000 costs about $6,800 in tax, because the last $8,200 is taxed at 24 percent.
- Where it stops.
- It assumes the standard deduction and ordinary income only. Capital gains, dividends, and a Social Security benefit that becomes more taxable as income rises all shrink the room, so a conversion is sized with your actual return in hand.
The facts
Six quotable sentences from the 2026 tables.
The button shows exactly what your reader sees when they click the link. Paste the link where a link goes; it opens this list in a small window, always current as of the record, with the attribution and a link to the full page. Nothing to copy out, nothing to update later.
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- A Roth conversion is ordinary income in the year it is done. For 2026 the 22 percent bracket runs from $50,400 to $105,700 of taxable income on a single return and from $100,800 to $211,400 on a joint return; the 24 percent bracket runs to $201,775 and $403,550.
- Taxable income is adjusted gross income less deductions; the 2026 standard deduction is $16,100 single and $32,200 joint. The room in a bracket is the bracket's top minus taxable income.
- A single filer with $100,000 of adjusted gross income has $83,900 of taxable income and $21,800 of room at 22 percent; converting $30,000 costs $6,764, because the last $8,200 is taxed at 24 percent.
- Medicare premiums are set by adjusted gross income from two years earlier, in tiers with hard edges: the first tier begins above $109,000 single and $218,000 joint, and one dollar over moves the whole premium up a step for the year.
- Because the tiers apply to adjusted gross income and the brackets to taxable income, a conversion that fits neatly in a bracket can still cross a Medicare tier; the two lines sit $16,100 apart on a single return.
- Conversions cannot be undone: since 2018 there is no recharacterization. The room is measured once, with the year's income known, and the conversion is sized to it.
The 2026 brackets
The brackets a conversion fills, both statuses, as the revenue procedure states them.
The button shows exactly what your reader sees when they click the link. Paste the link where a link goes; it opens this table in a small window, always current as of the record, with the attribution and a link to the full page. Nothing to copy out, nothing to update later.
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| Rate | Single, taxable income | Married filing jointly, taxable income |
|---|---|---|
| 10% | $0 to $12,400 | $0 to $24,800 |
| 12% | $12,400 to $50,400 | $24,800 to $100,800 |
| 22% | $50,400 to $105,700 | $100,800 to $211,400 |
| 24% | $105,700 to $201,775 | $211,400 to $403,550 |
| 32% | $201,775 to $256,225 | $403,550 to $512,450 |
| 35% | $256,225 to $640,600 | $512,450 to $768,700 |
| 37% | $640,600 and above | $768,700 and above |
Cite and link.
The clean address, a citation generated from the record so it can never carry a stale review date, and an address for every section so you can point a reader at the exact table or method.
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- Link
- https://consideratecapital.com/tools/roth-conversion-room
- Citation
- Considerate Capital, "Roth Conversion Room Calculator," reviewed September 4, 2026, https://consideratecapital.com/tools/roth-conversion-room.
Link to a section
- The calculator https://consideratecapital.com/tools/roth-conversion-room#calculator
- The facts https://consideratecapital.com/tools/roth-conversion-room#facts
- The brackets https://consideratecapital.com/tools/roth-conversion-room#key-numbers
- How the room works https://consideratecapital.com/tools/roth-conversion-room#how-it-works
- Methodology https://consideratecapital.com/tools/roth-conversion-room#methodology
- Sources https://consideratecapital.com/tools/roth-conversion-room#sources
- Revision history https://consideratecapital.com/tools/roth-conversion-room#revision-history
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