Roth Conversion Calculator 2026 — IRMAA, RMD & Heirs

The Borrelli Report

Roth Conversion Tax Bracket Optimizer

By Johnny Borrelli, Investment Adviser Representative
See your Roth conversion picture — in about 3 minutes
Answer a few quick questions and you'll see:
Your future RMD schedule — what the IRS will require you to withdraw, and when it begins
Your IRMAA exposure — whether a conversion could raise your Medicare premiums
Your beneficiary outcome — what your heirs would keep (under the 10-year beneficiary withdrawal rule)
Your conversion breakeven — how many years until a conversion breaks even
A Roth conversion is one of the few retirement moves you can only make once. It is worth seeing the whole picture before you decide.
Four quick steps. Your numbers stay on your screen — we only email your report if you ask.
Educational only; not investment, tax, or legal advice.
Important disclosures. Johnny Borrelli is a Registered Representative of Crescent Securities Group, Inc. (“CSG”), Member FINRA/SIPC, and an Investment Adviser Representative of Crescent Advisor Group, Inc. (“CAG”), an SEC Registered Investment Advisor. Neither CSG nor CAG is affiliated with Tax Alpha Companies, including Tax Alpha Title and Tax Alpha Solutions. Brokerage services offered through CSG. Investment advisory services offered through CAG. Crescent Securities Group, Inc., 4975 Preston Park Blvd, Suite 820, Plano, TX 75093.

The Borrelli Report is an educational publication by Johnny Borrelli. All figures, projections, and scenarios shown by this calculator are illustrative and educational, based on current tax law, the inputs you provide, and standard market assumptions. Actual results will vary materially based on factors specific to your situation that this calculator cannot capture. Nothing presented here constitutes personalized investment, tax, or legal advice, a recommendation, an offer, or a solicitation. Please consult a qualified tax professional, attorney, or financial advisor before making any decisions based on this information.

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