MAGI Tracker

Current-year income vs ACA cliff — know exactly how much Roth conversion room you have

MAGI = wages + IRA/401k distributions + Roth conversions + realized capital gains + taxable dividends + 85% of Social Security + tax-exempt muni interest. ACA cliff = the income level above which you lose all Premium Tax Credits (~$15k–$28k/yr). Going $1 over costs you everything — stay below it from 2028–2051 (pre-Medicare).

Year & Settings

Tax Year Household Size Filing Status

MAGI vs ACA Cliff

Projected Full-Year MAGI

$0 ACA Cliff: —

—

Ordinary Income (MAGI included)

Wages / W-2 Income ($) Traditional IRA / 401k Distributions ($) Roth Conversion Amount ($) — add here to model Pension / Annuity ($) Business Income / Self-Employment ($) Other Ordinary Income ($)

Investment Income (MAGI included)

Qualified Dividends ($) Ordinary Dividends (non-qualified) ($) Short-Term Capital Gains ($) Long-Term Capital Gains ($) Social Security Benefits × 85% (taxable portion) ($) Tax-Exempt Muni Interest (adds to ACA MAGI!) ($) I-Bond Interest Redeemed ($)

Above-the-Line Deductions (reduce MAGI)

Traditional IRA Contribution ($)

HSA Contribution ($)

Self-Employed Health Insurance ($)

MAGI Breakdown

Wages & Ordinary Income$0

IRA/401k Distributions$0

Roth Conversions$0

Capital Gains (ST + LT)$0

Dividends$0

SS Benefits (taxable)$0

Muni Interest (ACA add-back)$0

I-Bond Interest$0

Other Income$0

Less: Deductions$0

ACA MAGI$0

Roth Conversion Opportunity

ACA Cliff—

Current MAGI (ex-conversion)$0

Room before ACA cliff—

12% bracket top (MFJ 2026: $99,600 adj.)

12% bracket top—

Room to fill 12% bracket—

0% LTCG threshold (MFJ 2026: $94,050 adj.)

0% LTCG threshold—

Room for 0% LTCG harvest—

Quarterly Estimated Tax Tracker

YTD Federal Tax Withheld ($)

YTD Estimated Payments ($)

Prior Year Tax (safe harbor) ($)

Quarter	Due Date	Recommended Payment	Status

Historical MAGI Log

Year

MAGI ($)

Note

Year	MAGI	ACA Cliff	% of Cliff	Note