Roth Conversion Window Modeler
Find how much you can convert to Roth each year while staying in a favorable tax bracket — and avoid IRMAA surcharges.
Your Tax Profile
Use your projected annual pension benefit at retirement
Combined balance across all pre-tax accounts
Advanced settings — adjust assumptions
Leave blank to use the calculated optimal amount (headroom to 22% bracket ceiling)
2026 Federal Tax Bracket Analysis
5-Year Conversion Window Projection
| Year | Projected Income | Max Headroom (to 22% ceiling) | Conversion Amount | Running Roth Balance | Remaining Trad. Balance |
|---|
▶ Assumptions & Sources
Roth conversions are one of the most powerful tax strategies available to teachers in early retirement — but timing and sequencing matter. A CFP® can help you build a multi-year conversion plan.
Get Personalized Guidance at teacherspath.net