See exactly how a Roth conversion affects your taxes — which brackets you'll hit, what you'll owe, and whether it triggers IRMAA surcharges.
IRMAA shown at age 61+
Your AGI minus deductions
| Before | After | Change | |
|---|---|---|---|
| Taxable Income | $85,000 | $115,000 | +$30,000 |
| Federal Tax | $9,736 | $15,406 | +$5,670 |
| Effective Rate | 11.5% | 13.4% | +1.9% |
| Top Bracket | 12% | 22% | Bumped up |
Uses 2024 federal tax brackets. State taxes are not included. IRMAA surcharges are based on income from 2 years prior and affect Medicare Part B and Part D premiums. This is an estimate — consult a tax professional for your specific situation.
A Roth conversion is a multi-year strategy. Evernest isn't a tax tool: it lets you view your spending pre-tax or post-tax using a tax rate you enter, but it doesn't calculate your taxes or optimize Roth conversions — for that, use a CPA or a dedicated tax tool.