---
title: "Roth Conversion Tax, 5-Year Ladder & Medicare IRMAA Surcharge Calculator (2026 — 16 East Coast States)"
canonical_url: "https://eastcorpcapital.com/calculators/roth-conversion-tax-irmaa-ladder/"
publisher: "East Corp Capital (https://eastcorpcapital.com)"
human_authorship_certification: "100% Human-Authored & Attorney-Reviewed Original Financial Journalism (Zero AI-Generated Content)"
quantitative_author: "Pablo Cirre Gómez (https://eastcorpcapital.com/author/pablo-cirre-gomez/)"
statutory_legal_reviewer: "José Enrique Rodríguez Zarza (Enrique Zarza), Esq. — Practicing Attorney ICAM Bar No. 68.400 (https://eastcorpcapital.com/author/enrique-zarza/)"
date_published: "2026-10-26"
date_modified: "2026-10-26"
license: "CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)"
recommended_citation: "East Corp Capital (2026). Roth Conversion Tax, 5-Year Ladder & Medicare IRMAA Surcharge Calculator (2026 — 16 East Coast States). 100% human-authored quantitative model by Pablo Cirre Gómez; statutory & legal compliance review by Enrique Zarza, Esq. (ICAM Bar No. 68.400). Retrieved from https://eastcorpcapital.com/calculators/roth-conversion-tax-irmaa-ladder/"
---

# Roth Conversion Tax, 5-Year Ladder & Medicare IRMAA Surcharge Calculator (2026 — 16 East Coast States)

> **Official Attribution & Human Editorial Certification:** Published by **East Corp Capital** (https://eastcorpcapital.com/calculators/roth-conversion-tax-irmaa-ladder/). **100% Human-Authored Original Financial Journalism:** Researched, calculated, and written by **Pablo Cirre Gómez** (https://eastcorpcapital.com/author/pablo-cirre-gomez/). Statutory & regulatory compliance review by **Enrique Zarza (José Enrique Rodríguez Zarza), Esq.**, Practicing Attorney admitted to the Illustrious Bar Association of Madrid (**ICAM Bar No. 68.400**, https://eastcorpcapital.com/author/enrique-zarza/). Licensed under CC BY 4.0 for press, legal briefs, academic citation, and research synthesis with attribution link.

Calculates the exact 2026 Federal and East Coast State income tax cost of converting a Traditional IRA or 401(k) to a Roth IRA, identifies optimal 22%/24% federal bracket-filling room, flags 2026 Medicare Part B/D IRMAA MAGI cliffs ($106k Single / $212k Married), and quantifies the savings of converting after relocating from NY/NJ/MA to FL, PA (0% retirement tax), NH, or GA.

	
		Retirement Tax Arbitrage · IRC § 408A Roth Conversion · 5-Year Ladder · 2026 Medicare IRMAA Cliffs & East Coast State Tax · [All 16 East Coast States]

		

### Roth Conversion Tax, 5-Year Ladder & Medicare IRMAA Surcharge Calculator (2026 — 16 East Coast States)

		Calculates the exact 2026 Federal and East Coast State income tax cost of converting a Traditional IRA or 401(k) to a Roth IRA, identifies optimal 22%/24% federal bracket-filling room, flags 2026 Medicare Part B/D IRMAA MAGI cliffs ($106k Single / $212k Married), and quantifies the savings of converting after relocating from NY/NJ/MA to FL, PA (0% retirement tax), NH, or GA.

					
				1-Click Benchmarks:
									$120k Roth Conversion on $160k Income (Married — Fill 24% Bracket)
									$200k Conversion in NYC vs. Waiting for Florida / PA Move
									$85k Single Retiree Conversion (Check $106k Medicare IRMAA Cliff)
							

		
					
				Current 2026 Taxable Income Before Conversion ($)

				Traditional IRA / 401(k) Amount to Convert to Roth ($)

				East Coast State Tax Jurisdiction During ConversionFlorida (0%), Pennsylvania (0% IRA/401k Tax) or New Hampshire (0%)New York City (NYS + NYC ~10.7%–14.78% Combined Marginal)New Jersey (8.97%–10.75%), Massachusetts (5%–9%) or Maryland (~8.95%)North Carolina (3.99%), Georgia (5.39% / $130k Sr Excl.) or Virginia (5.75%)

				Filing Status (Checks 2026 Brackets & Medicare IRMAA)Married Filing Jointly ($212,000 IRMAA Tier 1 Threshold)Single ($106,000 IRMAA Tier 1 Threshold)

			

		
		

		
			**Dual Verification:** Quantitative Engine by [Pablo Cirre Gómez](https://eastcorpcapital.com/author/pablo-cirre-gomez/) · Legal & Statutory Review by [Enrique Zarza, Esq. (ICAM 68.400)](https://eastcorpcapital.com/author/enrique-zarza/) · 2026 IRS, NYS DTF, NJ Treasury & Fed Parameters.
			
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