Sandbox Concept

Capital Gains Stacking Map

This sandbox shows how conversion income can stack underneath long-term capital gains and qualified dividends, pushing more gains from the 0% band into higher capital gains brackets.

Scenario Inputs

Taxable Income Stack

Use Case Inputs Include Projected IRA Income

Leave both unchecked to use the manual inputs below.

Filing Status Ordinary Taxable Income Before Added Income Long-Term Gains / Qualified Dividends Planned Roth Conversion

IRA Income Age Age 65

Age 65Age 90

Projected Gross IRA Distribution

Open this consideration from the main calculator to load IRA ledger income.

State Capital Gains Rate (%)

Use Case Inputs links the current conversion-year filing status, income, and Roth conversion. Projected IRA Income uses the main no-conversion IRA ledger and retirement income. Long-term gains and the state capital-gains rate remain editable planning inputs.

Learn More How Roth Conversions Affect My Capital Gains

--Extra Capital Gains Tax Caused By Conversion

--Gains Pushed Out Of 0% Band

--Total Federal Capital Gains Tax After

--State Tax On Gains

Visual Impact

Capital Gains Band Usage

Before vs after conversion

2026 Federal Reference

Long-Term Capital Gains Income Thresholds

Married Filing Jointly

Federal Rate	2026 Taxable Income Range	Gains Before	Gains After

Thresholds apply to total taxable income, not capital gains alone. Special rates for collectibles and unrecaptured Section 1250 gain, the 3.8% Net Investment Income Tax, state taxes, deductions, and other return items are outside this simplified estimate. Source: IRS Revenue Procedure 2025-32, section 3.03.

Calculation Detail

Federal Capital Gains Tax Before And After

Band	Before	After	Tax Difference