Tax Year 2026 No calculation data is sent to servers or cookies!
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Important Disclaimer

This information is intended for educational and informational purposes only. Tax laws are complex, subject to frequent changes, and vary based on individual circumstances. It should not be taken as professional financial, legal, or tax advice. Please consult a qualified CPA or certified tax professional before executing any Roth conversions or other financial strategies.

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Update info in the left panel to see your maximum suggested Roth conversion on the right, which you can then adjust to see tax impact. Enter each number only once. Do NOT enter separate federal and state versions — the app applies your state's rules automatically. Works for California residents only at the moment (more states may be added).
$32,200
Will you be on Medicare in the premium year this MAGI affects (i.e., 2 years from now)?
Maximum federal bracket you want to fill.
Reduces max conversion by this percentage as a safety margin.

Enter your best full-year estimates for the numbers below. Tax form references are listed in blue if you'd like to check amounts from a previous year.

$
Your total taxable wages, salaries, and tips. Reference: W-2 Box 1
$
Rents, royalties, jury duty, other income, etc. Reference: 1099-MISC
$
Interest from banks, CDs, bonds (no municipal/tax-exempt interest). Reference: 1099-INT Box 1 + Box 3
$
All dividends including qualified. We'll separate them for you. Reference: 1099-DIV Box 1a
$
Already included in Box 1a above. Taxed at lower federal rate. Reference: 1099-DIV Box 1b
$
Net gain from assets held ≤ 1 year. Enter 0 if net loss. Reference: Schedule D Box 7
$
Taxable pensions, annuities, IRA/401k withdrawals, RMDs. Exclude any Roth conversion. Reference: 1099-R (taxable amount)
$
Taxable portion of Social Security benefits. Reference: SSA-1099 Box 5 → 1040 Line 6b
$
Unemployment compensation received. Reference: 1099-G Box 1
$
Conversions already completed this year. We calculate what's left.
$
Net gain from assets held > 1 year. Enter 0 if net loss. Reference: Schedule D Box 15
$
Municipal bond interest. Not taxed, but counts for IRMAA. Reference: 1099-INT Box 8
$
Total: HSA, deductible IRA/SEP, ½ SE tax, student loan interest, etc. Reference: Schedule 1 line 26 → 1040 line 10
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Select a target bracket and enter your income to see your Roth conversion headroom.