How much should you convert to Roth this year? A full 2026 federal tax engine shows the real bracket, Social Security impact, IRMAA risk, and effective rate — before you touch your IRA.
Roth Conversion Navigator answers one expensive annual question: how much, if any, should you convert this year? Enter your filing status, ages, income, Social Security, and the amount you're considering, and the workbook runs the full 2026 federal tax math — brackets, standard deduction (including the new OBBBA senior deduction), and long-term capital gains — to show exactly what that conversion costs.
It goes further than a bracket calculator. The SS Taxation tab shows how a conversion can quietly pull more of your Social Security into taxable status. The IRMAA Checker flags whether you're about to cross into a higher Medicare premium tier. The NIIT Checker catches the 3.8% investment-income surtax. Conversion Recommendation gives you plain-dollar bracket-ceiling targets, the 5-Year Ladder compares spreading conversions across years against one large conversion, and Scenario Compare puts No Conversion, Your Plan, and Double side by side.
Every number is visible, labeled, and traceable back to the primary source that justifies it — IRS, SSA, and CMS guidance, cited on the Sources tab. Nothing is a black box, and your data never leaves the file.
Features
Benefits
The effective rate on your converted dollars can run well above your plain marginal bracket once Social Security and IRMAA effects are included — this workbook shows that number before you file, not after.
A Roth conversion counts toward the income that determines how much of your Social Security is taxable. Most calculators miss this. The SS Taxation tab doesn't.
No hidden formulas or single opaque result — every step from your income to your final tax bill is its own visible row, so you can follow (and trust) the math.
Honest fit matters more to us than a sale — that's what the 30-day guarantee is for.
What's included
Questions
No — think of it as preparation for that conversation. It shows you the real tradeoffs in plain dollars so you can ask sharper questions and make a more informed decision together.
No, federal only, by design — state income tax rules on Roth conversions vary widely and change often. Check your state's current guidance separately before finalizing an amount.
Yes — every bracket, deduction, IRMAA tier, and threshold reflects 2026 IRS, SSA, and CMS guidance as of the build date, cited on the Sources tab. We recommend an annual check each January, and updates within version 1.x are free.
No. Everything is pre-built — formulas, charts, and dashboards are ready to go. You only type into clearly marked input cells (they’re highlighted), and a Welcome tab walks you through setup in about ten minutes.
Yes. The workbook is a standard Excel file (.xlsx) that works on Mac, Windows, and Excel for the web. Microsoft 365 is recommended for the best experience.
The workbooks are designed and tested for Microsoft Excel. Google Sheets can import .xlsx files, but some advanced formulas and charts may not convert perfectly, so we don’t officially support Sheets at this time.
Completely. This is a file you own, on your computer. There’s no account, no cloud sync, and no data collection — your numbers never leave the workbook.
Every purchase includes a 30-day money-back guarantee. Email us and we’ll refund you — no hoops.
v1.0August 5, 2026
Roadmap items ship when they're ready — no timeline promises.
30-day money-back guarantee on every product. Personal-use license included with every purchase. Commercial licenses available. Questions before you buy? We answer fast.
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