2026 tax year
Roth conversion room
Find how much ordinary income, such as a Roth conversion, can still fit in your current 2026 tax bracket, and what federal income tax that slice would be.
General education, not personal tax advice. Filling a bracket is only one piece of a conversion decision. This tool does not measure Medicare premiums, credits, or state tax.
Assumptions.
- Uses the official 2026 ordinary-income rate tables in Rev. Proc. 2025-32.
- A Roth conversion is generally taxed as ordinary income. This tool looks only at federal income tax on the amount that still fits in the current bracket, and then lists room in later brackets.
- It does not include the 3.8% net investment income tax, IRMAA Medicare premiums, premium tax credit effects, or state income tax.
- Enter taxable income, not adjusted gross income. If you only know AGI, subtract your 2026 standard deduction or itemized deductions first.
IRS sources.