Federal Tax Projection 2026–2060 · Scott & Courtney Miller

Inputs

Dividends / Interest (Ordinary)

LTCG / Qualified Dividends

Roth Conversion (2026–2058)

Courtney SS Monthly PIA (starts 2053)

Scott SS Monthly PIA (starts 2056)

SS COLA %/yr

Annual Income Growth %

SS Trust Fund Haircut (77%)

Retirement (2028)

Medicare (2051)

Social Security starts

Year-by-Year Federal Tax Projection

Year	Age	Ord Income	LTCG	Std Ded	Taxable Ord	Fed Tax	Eff Rate	LTCG Tax	Total Tax	MAGI	ACA Cliff	Headroom

Roth Conversion Capacity (2028–2052)

Max additional conversion staying within 12% bracket & ACA cliff (base income excludes Roth conversion)

Year	12% Ceiling	Base Ord Inc	Max Conv @12%	ACA Headroom	Binding Limit	Tax @12%

0% LTCG Harvest Capacity (2028–2052)

Room to realize long-term gains at 0% federal rate (based on base ordinary income, no Roth conversion)

Year	0% LTCG Threshold	Ord Taxable (no conv)	Harvest Capacity	Effective Rate on Harvest