Most Roth guides explain the idea and leave you to guess the amount. This one gives you the number.

Put in seven figures. The workbook returns four ceilings and tells you which one binds first:

• How much room is left below the top of your bracket
• How much room before the next Medicare IRMAA line. In 2026 crossing the first one costs a couple $2,297 for the year, and it is a cliff, not a ramp: one dollar over moves the whole year.
• How much room is left in your 0% capital gains window
• The band where every converted dollar also drags 85 cents of your Social Security into taxation, so the real rate runs near 22% while the table says 12%. No free calculator shows you this one.

Then it runs the same income filing single, so you see the rate a surviving spouse would pay on whatever you did not convert. In 2026 the 22% bracket starts at $100,800 for a couple and $50,400 for a survivor. Same house, half the room.

You get both files the moment you pay: a 10-page letter-size planner to print, and a live workbook for Excel or Google Sheets that does the arithmetic.

Every figure carries its source: Rev. Proc. 2025-32, the CMS 2026 premium fact sheet, IRS Pub. 915.

A conversion has to be done by December 31. The 2027 edition is free to anyone who buys this one.

30-day refund, no questions, and you keep the files.

Educational material only. Not tax, legal, or investment advice. Confirm with your own tax professional before acting.