Can this find an optimal Roth conversion amount?

It compares configured schedules and constraints so you can inspect threshold pressure. It does not recommend a conversion or replace tax advice.

Does the ACA calculation cover every state?

No. The current ACA FPL lookup supports contiguous states. Alaska and Hawaii FPL tables are not shipped yet.

Why use the pre-RMD example?

The pre-RMD example exposes the common early-retirement tradeoff between conversion room, ACA MAGI, future RMD pressure, and tax funding before you enter a custom household.

Roth Conversion IRMAA ACA

Roth Conversion Planning With IRMAA and ACA Constraints

Compare Roth conversion schedules while keeping Medicare IRMAA, ACA MAGI, LTCG stacking, NIIT, RMD timing, and Roth 5-year clocks visible.

A Roth conversion can look attractive when you only fill ordinary brackets, then change once MAGI-sensitive thresholds enter the picture.

This page focuses on the ArthaPilot workflow for comparing baseline and conversion schedules when IRMAA, ACA subsidies, capital gains, NIIT, RMDs, and tax-funding choices all need to stay visible.

Open pre-RMD example See Pro plans

Start with one question

See the workflow before opening the tool

IRMAA-aware conversion ceiling

How much conversion room remains before a selected Medicare premium tier is crossed?

Output previewYear | conversion amount | MAGI | IRMAA tier distance | estimated tax

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ACA/MAGI tradeoff

Does an early-retirement conversion schedule stay within the modeled ACA percentage-of-FPL limit?

Output previewFPL percentage | subsidy context | threshold warnings | tax funding

Open pre-RMD example →

Later-life follow-through

Does converting now reduce modeled RMD pressure, or simply move tax into earlier years?

Output previewBaseline vs conversion | RMD exposure | lifetime tax | terminal wealth

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What the workflow models

Baseline and proposed multi-year Roth conversion schedules.
Federal ordinary brackets plus optional IRMAA, ACA, LTCG, NIIT, and Roth 5-year-clock constraints.
RMD timing, taxable Social Security, tax-funding gross-up, and year-end account balances.

Why IRMAA and ACA change the question

IRMAA uses a lookback window, while ACA premium-credit mechanics are sensitive to current-year MAGI and FPL assumptions. A conversion schedule that fills a bracket can still create a premium or subsidy side effect.

The useful output is not a single recommended conversion amount. It is a year-by-year view of which threshold is binding under the assumptions you entered.

Inputs to inspect before interpreting results

Filing status, birth years, Social Security timing, and ordinary-income assumptions.
Traditional, Roth, and taxable balances plus the account used to pay conversion taxes.
IRMAA tier ceiling, ACA FPL cap, LTCG 0% preservation, NIIT avoidance, and Roth 5-year-clock settings.

Current boundaries

The planner is deterministic scenario modeling, not tax advice. ACA lookup currently uses contiguous-state FPL tables, and the output should be reviewed against the exact assumptions used for the household.

FAQ

Can this find an optimal Roth conversion amount?: It compares configured schedules and constraints so you can inspect threshold pressure. It does not recommend a conversion or replace tax advice.
Does the ACA calculation cover every state?: No. The current ACA FPL lookup supports contiguous states. Alaska and Hawaii FPL tables are not shipped yet.
Why use the pre-RMD example?: The pre-RMD example exposes the common early-retirement tradeoff between conversion room, ACA MAGI, future RMD pressure, and tax funding before you enter a custom household.

Roth Conversion Planner

Overview of the broader Roth conversion planning workflow.

Roth Conversion Docs

Detailed methodology, request shape, constraints, and caveats.

Decumulation Studio

Compare withdrawal and conversion schedules against lifetime-tax and terminal-wealth goals.