The 2026 edition of the Excel Roth IRA Conversion Optimizer spreadsheet is now available, bringing your planning tools fully up to date with the latest federal tax changes and retirement‑related thresholds.
🔄 What’s New in the 2026 Version
The 2026 update incorporates all major federal changes relevant to Roth conversion planning, including:
- Updated Federal Income Tax Tables
- Updated Medicare Part B and Part D IRMAA thresholds
- Updated NIIT (Net Investment Income Tax) thresholds
- Updated Standard Deductions
- Updated Long‑Term Capital Gains brackets
These updates ensure that every projection, tax calculation, and Monte Carlo scenario reflects the most accurate 2026 federal landscape.
🏛️ State Tax Tables: Temporary 2025 Inflation-Adjusted Brackets
Not all states have released their 2026 tax brackets yet. They are all expected to be completed in February.
Until then, the Optimizer uses inflation‑adjusted 2025 state tax tables as a placeholder. Once states finalize their 2026 brackets, an incremental update will be released.
đź’ˇ All the Powerful Features You Already Rely On
The 2026 Optimizer retains everything users loved about the 2025 version:
âś” Optimal Roth Conversion Engine
Automatically identifies the conversion amount that minimizes lifetime taxes and maximizes long‑term after‑tax wealth.
âś” Full Monte Carlo Risk Analysis
Models market uncertainty to show how different conversion strategies perform across thousands of simulated futures.
âś” Personal & Commercial Versions
- Personal Versions — built for individual investors who want clarity and control
- Commercial Versions — designed for financial advisors who need a professional‑grade planning tool for client work
🚀 Ready for 2026 and Beyond
The Roth IRA Conversion Optimizer continues to evolve with the tax code, Medicare rules, and best‑practice planning techniques — giving you a reliable, forward‑looking tool for one of the most important retirement decisions you’ll ever make.