Multi-year Roth conversion optimization against the real tax terrain.

What does one more dollar of Roth conversion actually cost you this year?

A free 2026 single-year calculator for married filing jointly couples. Enter your numbers, see the effective marginal rate on your next dollar of conversion — including the ACA subsidy cliff, IRMAA tiers, and LTCG stacking. (Single-filer support is on the roadmap.)

Household

Spouse 1 age

Spouse 2 age

Social Security benefits ($/yr, combined)

Investment income

Qualified dividends ($/yr)

Realized long-term capital gains ($/yr)

Health coverage

On ACA marketplace insurance

Annual benchmark silver premium ($)

The conversion you're planning

Planned Roth conversion amount ($)

2026 tax year, MFJ, federal only. Educational tool, not tax advice.

This is one year. The multi-year interaction (IRMAA lookback, RMDs, sequencing) is what actually moves six figures — read the analysis or join the RothPilot waitlist.