Roth Conversion Viability โ Estimator
Educational use only. This tool uses IRS rules (Pub 590-A/590-B, Form 8606) for the pro-rata calculation and flags IRMAA thresholds for 2025 (SSA/CMS).
It does not compute full tax brackets or every phase-out. Consult a tax professional for advice.
No iframes โข Client-side only
Investor Profile & Assumptions
IRA Positions (for IRS pro-rata)
Per IRS aggregation rules, Line 6 of Form 8606 includes the total value of all traditional/SEP/SIMPLE IRAs at year end. RMDs (if any) cannot be converted.
IRMAA (Medicare premium surcharge) check โ optional
IRMAA uses MAGI from 2 years prior. A 2025 conversion may affect 2027 premiums.
Compliance guardrails: Conversions made in/after 2018 cannot be recharacterized; RMDs cannot be converted; inherited (non-spouse) IRAs generally cannot be converted; conversion amounts withdrawn within 5 years may face 10% recapture if under 59ยฝ.