The bracket filling calculator for Roth conversions.
Find the conversion strategy that minimizes your lifetime tax. Free, no signup. Models federal brackets, Social Security taxation, IRMAA cliffs, NIIT, ACA subsidy, SALT, and state tax for all 51 jurisdictions. Your data stays in your browser. Share results via URL only.
Learn how bracket filling works. · What the calculator does not model.
bracketfilling.com
Recommended: Fill 12% bracket. Lifetime tax savings vs do nothing: $255,064.
Inputs
| Birth year | 1966 | Spouse birth year | 1968 |
| Retirement age | 65 | Life expectancy | 92 |
| Filing status | Married filing jointly | State | CA |
| Current wages | $250,000 | Current dividends | $8,000 |
| Current interest | $4,000 | Tax-exempt interest | $0 |
| Traditional balance | $1,400,000 | Roth balance | $200,000 |
| SS at FRA (monthly) | $3,400 | SS claim age | 67 |
| Pension annual | $0 | Pension start age | 65 |
| LTCG balance | $0 | LTCG basis | $0 |
| Expected return | 6.0% | Inflation | 2.5% |
Scenario comparison
| Strategy | Lifetime tax + IRMAA | Savings vs do nothing | |
|---|---|---|---|
| Do nothing | $1,064,525 | · | view |
| Fill 12%Recommended | $809,461 | $255,064 | showing |
| Fill 22% | $920,609 | $143,915 | view |
| Fill 24% | $923,495 | $141,030 | view |
Yearly tax + IRMAA, Fill 12%
FederalNIITStateIRMAA
Chart available at the share URL on the last page. Year-by-year detail follows.
Year-by-year detail
| Year | Age | RMD | Ordinary income | Taxable SS | Federal tax | State tax | IRMAA | Total tax |
|---|---|---|---|---|---|---|---|---|
| 2026 | 60 | · | $254,000 | $0 | $40,348 | $16,182 | $0 | $40,804 |
| 2027 | 61 | · | $254,000 | $0 | $39,785 | $16,182 | $0 | $40,241 |
| 2028 | 62 | · | $254,000 | $0 | $39,207 | $16,182 | $0 | $39,663 |
| 2029 | 63 | · | $254,000 | $0 | $38,622 | $16,182 | $0 | $39,078 |
| 2030 | 64 | · | $254,000 | $0 | $38,147 | $16,182 | $0 | $38,603 |
| 2031 | 65 | · | $126,650 | $0 | $11,001 | $4,627 | $4,054 | $15,055 |
| 2032 | 66 | · | $126,650 | $0 | $10,872 | $4,627 | $4,155 | $15,028 |
| 2033 | 67 | · | $128,100 | $34,680 | $15,716 | $4,743 | $2,894 | $18,611 |
| 2034 | 68 | · | $128,100 | $34,680 | $15,170 | $4,743 | $2,967 | $18,137 |
| 2035 | 69 | · | $128,100 | $34,680 | $14,610 | $4,743 | $3,041 | $17,651 |
| 2036 | 70 | · | $128,100 | $34,680 | $14,406 | $4,743 | $3,117 | $17,522 |
| 2037 | 71 | · | $128,100 | $34,680 | $14,253 | $4,743 | $3,195 | $17,448 |
| 2038 | 72 | · | $128,100 | $34,680 | $14,097 | $4,743 | $3,275 | $17,372 |
| 2039 | 73 | · | $128,100 | $34,680 | $13,937 | $4,743 | $3,356 | $17,294 |
| 2040 | 74 | · | $128,100 | $34,680 | $13,773 | $4,743 | $3,440 | $17,214 |
| 2041 | 75 | $66,112 | $70,112 | $34,680 | $6,647 | $1,396 | $3,526 | $10,173 |
| 2042 | 76 | $69,783 | $73,783 | $34,680 | $6,915 | $1,543 | $3,614 | $10,530 |
| 2043 | 77 | $73,324 | $77,324 | $34,680 | $7,164 | $1,684 | $3,705 | $10,868 |
| 2044 | 78 | $77,370 | $81,370 | $34,680 | $7,468 | $1,846 | $3,797 | $11,266 |
| 2045 | 79 | $81,623 | $85,623 | $34,680 | $7,793 | $2,016 | $3,892 | $11,686 |
| 2046 | 80 | $86,092 | $90,092 | $34,680 | $8,139 | $2,271 | $3,990 | $12,129 |
| 2047 | 81 | $90,317 | $94,317 | $34,680 | $8,452 | $2,524 | $4,089 | $12,541 |
| 2048 | 82 | $95,219 | $99,219 | $34,680 | $8,840 | $2,818 | $4,192 | $13,032 |
| 2049 | 83 | $99,791 | $103,791 | $34,680 | $9,184 | $3,093 | $4,296 | $13,481 |
| 2050 | 84 | $105,149 | $109,149 | $34,680 | $9,617 | $3,414 | $4,404 | $14,021 |
| 2051 | 85 | $110,065 | $114,065 | $34,680 | $9,992 | $3,709 | $4,514 | $14,506 |
| 2052 | 86 | $115,134 | $119,134 | $34,680 | $10,380 | $4,026 | $4,627 | $15,007 |
| 2053 | 87 | $120,347 | $124,347 | $34,680 | $10,779 | $4,443 | $4,743 | $15,522 |
| 2054 | 88 | $124,774 | $128,774 | $34,680 | $11,079 | $4,797 | $4,861 | $15,940 |
| 2055 | 89 | $130,210 | $134,210 | $34,680 | $11,494 | $5,232 | $4,983 | $16,477 |
| 2056 | 90 | $134,628 | $138,628 | $34,680 | $11,781 | $5,585 | $5,107 | $16,888 |
| 2057 | 91 | $138,983 | $142,983 | $34,680 | $12,054 | $5,934 | $5,235 | $17,289 |
| 2058 | 92 | $143,230 | $147,230 | $34,680 | $12,308 | $6,274 | $5,366 | $17,674 |