Sandbox Concept

Tax-Bracket / IRMAA Cliff Map

This is one possible visual layer for the Roth calculator: it shows where the next conversion dollars run into higher federal brackets and Medicare premium surcharges.

--Tax + IRMAA Cost On Planned Conversion
--Blended Cost Rate
--Room Before Next Threshold
--Highest Marginal Slice

Visual Map

Every Additional Conversion Dollar By Marginal Cost

$0 to $300k conversion

Lower bracket Higher bracket IRMAA cliff High marginal cost Planned conversion

Cost Curve

Cumulative Tax + IRMAA Cost

Through planned conversion

Cliff Detail

Thresholds Crossed By This Conversion

CliffConversion Amount Where It HitsMarginal Cost After CliffWhy It Matters

Next Watch Points

Upcoming Thresholds If Conversion Is Increased

CliffAdditional RoomConversion Amount Where It HitsWhy It Matters