A new Roth Conversion Calculator has been added to the downloads area for purchasers of the Volume 3 spreadsheets or the All Volumes Spreadsheet bundle. Since Roth conversions are an important retirement tax strategy option, it's important to know the federal and state tax impact on the amount to be converted before doing the conversion. Roth conversions are done by moving money from tax-deferred retirement accounts, such as a 401(k), 403(b), Rollover IRA, or Traditional IRA, into a Roth IRA, from which future distributions are tax-free. Since the transfer is considered income for tax purposes, you should use a calculator in advance to determine how much additional tax will be due. Features of the calculator include;

• A detailed Federal tax calculator which was updated to include the new 2025 tax law changes, including the new Senior Deduction.

• Updated Federal tax brackets and standard deduction for 2026.

• Includes the Medicare Income Related Monthly Adjustment Amount (IRMAA) income thresholds for 2026 (based on 2024 Modified Adjusted Gross Income) to show if a Medicare IRMAA surcharge will be due in 2026.

• A summary table compares your tax impact with and without doing the Roth conversion.

The Excel, OpenOffice, and LibreOffice files are available in the download location provided with prior purchase.