Roth conversion IRMAA ACA
Roth conversion planning with IRMAA and ACA constraints
Compare Roth conversion schedules while keeping Medicare IRMAA, ACA MAGI, LTCG stacking, NIIT, RMD timing, and Roth 5-year clocks visible.
A Roth conversion can look attractive when you only fill ordinary brackets, then change once MAGI-sensitive thresholds enter the picture.
View a recorded example without signing in. A Free account includes 1 run per day in each planner. Pro includes unlimited runs and advanced planning features.
Start with one question
Explore the results
IRMAA-aware conversion ceiling
How much conversion room remains before the household crosses a selected Medicare premium tier?
Open pre-RMD example
ACA/MAGI tradeoff
Does an early-retirement conversion schedule stay within the modeled ACA percentage-of-FPL limit?
Open pre-RMD example
Later-life follow-through
Does converting now reduce modeled RMD pressure, or only move tax into earlier years?
Open pre-RMD example
What the workflow models
- Baseline and proposed multi-year Roth conversion schedules.
- Federal ordinary brackets plus optional IRMAA, ACA, LTCG, NIIT, and Roth 5-year-clock constraints.
- RMD timing, taxable Social Security, tax-funding gross-up, and year-end account balances.
Why IRMAA and ACA change the question
IRMAA uses a lookback window, while ACA premium-credit mechanics are sensitive to current-year MAGI and FPL assumptions. A conversion schedule that fills a bracket can still create a premium or subsidy side effect.
The results show which threshold limits conversions in each year under the assumptions you entered.
Inputs to inspect before interpreting results
- Filing status, birth years, Social Security timing, and ordinary-income assumptions.
- Traditional, Roth, and taxable balances plus the account used to pay conversion taxes.
- IRMAA tier ceiling, ACA FPL cap, LTCG 0% preservation, NIIT avoidance, and Roth 5-year-clock settings.
Current boundaries
The planner is deterministic scenario modeling, not tax advice. ACA lookup supports the contiguous 48 states and DC, Alaska, and Hawaii for shipped FPL years. Review the output against the exact assumptions used for the household.
FAQ
- Can this find an optimal Roth conversion amount?
- It compares configured schedules and constraints so you can inspect threshold pressure. It does not recommend a conversion or replace tax advice.
- Does the ACA calculation cover every state?
- The ACA FPL lookup supports the contiguous 48 states and DC, Alaska, and Hawaii for shipped FPL years.
- Why use the pre-RMD example?
- The pre-RMD example exposes the common early-retirement tradeoff between conversion room, ACA MAGI, future RMD pressure, and tax funding before you enter a custom household.