Store / The 2026 Roth Conversion Bracket-Fill Planner
Know how much to convert to Roth this year, in about twenty minutes.
Four ceilings bound every conversion. Find the one that binds yours, and size the conversion to it.
“How much can I convert to Roth this year before it starts costing more than it saves?”
- Instant download
- 30-day refund
- Secure checkout by Stripe
Or get all five for $147.
What you get
- The four ceilings that bound a conversion, each with its own table and arithmetic
- A four-step worksheet that produces your own conversion figure in dollars
- A worked example with every line shown, for a couple both age 67
- A full single-filer section, handled at every one of the four ceilings
- All the 2026 tables: brackets, deductions, capital gains, IRMAA, Social Security
- A five-year conversion schedule, a January checklist and a November handoff list
Look inside
These are pages from the actual file, not mockups.
Everything it covers
- The window, and the four ceilings
- What a conversion is, and the one-way door
- The 2026 tables
- Ceiling A: the top of your bracket
- Ceiling B: the top of the 0% capital gains window
- Ceiling C: the IRMAA cliff
- Ceiling D: the Social Security taxation band
- The four-step worksheet: your own conversion room
- Worked example: a couple, both 67
- The single filer, at every ceiling
- The two five-year rules, which are not the same rule
- When not to convert
- The five-year plan, and the annual checklists
Questions before you buy
How do I get it?
Checkout is handled by Stripe. As soon as your payment goes through you land on the download page, and the files are yours to keep.
What if it is not useful to me?
There is a 30-day refund. If it does not help, ask for your money back.
Do I need Excel?
Only for the workbook, which opens in Excel. The PDF stands on its own: every worksheet is printed in it, so you can do the whole thing with a pen.
Is this advice for my situation?
No. It is education: the rules, the tables, and the arithmetic, so you can run your own numbers. It is not tax, legal or investment advice. If you want someone to look at your situation with you, book a free second opinion.
Which tax year is it built on?
This is the 2026 edition. Every table uses 2026 figures, and each one names the government source it came from.
After you buy
Bring the filled worksheet to a free call and I will check your numbers.
Thirty minutes, in person at a Fidelity Bank branch, by phone or by video. You bring the worksheet and one statement; I check the figure line by line against your situation and you leave with the three things worth doing next, in writing. No charge, and nothing moves unless you decide it should.
James Ustby, CFP®, APMA® · wrote every page
All five guides for $147.
Bought one at a time they come to $205. The library is every guide and every workbook in one download.