Clear Money Guide
Start with the tool
Open the inputs first, then use the guide outline to check assumptions and sources.
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Roth Conversion Guardrail Estimator
Convert enough to fill your bracket—stop at the cap. Enter taxable income before conversion, your target top-of-bracket, and (optional) an IRMAA cap. We’ll show room to convert and the estimated tax in dollars.
Inputs
Optional IRMAA guardrail
Enter current-year caps from SSA for your filing status. This is an awareness check; for full IRMAA planning use the IRMAA Estimator.
Test a conversion amount
Notes will appear here…
That is this year’s ceiling. The decision repeats every year until it does not.
Conversion is a multi-year sequencing problem against brackets, IRMAA and eventual RMDs, and one year in isolation cannot answer it. The advisers below pay to meet people managing it. It is free to you, and it is not the only way to find an adviser.
Before you start, what actually happens. The form is run by Kapitalwise, our advisor-matching partner. Kapitalwise sends your details to advisers who pay for the introduction, so expect calls and texts. Clear Money Guide is paid when you submit the form, whether or not you ever hire anyone. This is free to you and there is no obligation to hire anyone.
The Kapitalwise form opens here — you stay on this page.
What happens when you press the button
It asks about nine questions — age, investable assets, location — then your name, email and phone number, and verifies the phone by text. Nothing loads and nothing reaches Kapitalwise until you press the button.
Use the guardrail in a multi-year conversion plan
Use this as a guardrail: convert up to the bracket cap (and IRMAA cap if relevant), then stop. For bracket timing and multi-year planning, see Roth Conversion Windows. For Medicare surcharges, review IRMAA Brackets & Surcharges; for benefit taxation, use the Social Security taxability calculator.
What to do next
Editorial standards: see our Editorial Policy.
Do not know your bracket cap? The bracket calculator derives it from the 2026 IRS tables for all four filing statuses — it returns the room you have to the top of your current bracket, and the cost of filling every bracket above it.