Model limits

Roth Conversion Tax Interactions

The calculator is intentionally transparent about what it does not model. These pages explain common tax and benefit interactions that may require separate professional review.

Not modeled

IRMAA and Roth Conversion Calculator Limits

The calculator provides bounded 2026 Part B and Part D IRMAA proxy previews, but final IRMAA billing requires separate SSA and Medicare review.

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Not modeled

ACA Premium Tax Credit and Roth Conversion Calculator Limits

The calculator provides a bounded APTC at-stake preview from user-entered annual APTC and coverage months, but final ACA premium tax credit effects require separate Marketplace and Form 8962 review.

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Not modeled

NIIT and Roth Conversion Calculator Limits

The calculator provides a bounded 3.8% NIIT preview when net investment income is entered, but final NIIT treatment requires separate Form 8960 review.

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Not modeled

RMDs and Roth Conversion Calculator Limits

The calculator provides a bounded Uniform Lifetime Table RMD preview for retained age and balance inputs, but final required distribution rules require separate custodian, IRS, or professional review.

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This Roth Conversion Calculator is for educational and illustrative purposes only. It does NOT constitute tax, financial, legal, or investment advice. The calculation results are based on the information you provide and the latest IRS tax rules, which are subject to change. We do not guarantee the accuracy of the results. Please consult a licensed Certified Public Accountant (CPA), financial advisor, or tax professional before making any financial decisions.