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Year-end check · 2026

Check this year’s conversion before December 31

Interest and dividends rarely land exactly on plan. A few thousand dollars more can push a Roth conversion over the ACA line or an IRMAA tier. The year-end check finds that while you can still change the amount.

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Tom and Linda, Florida

example household · 2026 tables

They planned a $13,670 conversion that filled MAGI to the ACA line. By November, interest and dividends had come in $3,000 above plan.

PlanMAGI for ACA$84,600

ACA line $84,600 At the line

Nowconverting $13,670 as planned$87,600

ACA line $84,600 Over · $3,000
  • Social Security
  • Interest, dividends and gains
  • Roth conversion
  • Past ACA line
Convert instead$10,670

That keeps MAGI on the $84,600 line At the line. Above it, no premium tax credit is allowed for 2026.

Figures computed by the Dipperfield engine for the example on the home page. MAGI for ACA counts all Social Security.

We’ll remind you to recheck before December 31

We email you around November 20, once most dividends are in, and again around December 15. Only your address is kept, and one click stops the emails.

Questions

Enter this year’s plan in the planner, save it, then enter what came in. The check compares the two right away.