R
Roth Cliff
.com
A Free Calculator · 2026 Edition
Roth Conversion Planner
How much can you convert
before
tripping a cliff?
IRMAA, ACA, NIIT, and federal brackets — modeled in one place.
Cliff
Headroom · Today → Recommended
IRMAA T1
$206,000
NIIT
$250,000
22% → 24%
$201,050
ACA APTC
N/A · 65+
See your cliffs before you convert — every threshold, in one chart.
rothcliff.com