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Educational estimate only. Not tax, legal, or investment advice.
Medicare’s first income line is $218,000 for a couple, $109,000 if not.
From last year’s tax return (Form 1040 — total income, plus tax-free municipal-bond interest if any). A close number is fine. Medicare uses that year, two years later — not this year’s paycheck.
Wages, IRA withdrawals, Roth conversions (the taxable part), investment or house-sale gains, pensions, and tax-free municipal-bond interest.
What if this year’s income is higher by this amount? Not a convert-or-skip call.
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Close estimates work. Leave anything that doesn't apply at 0.
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Modeled bracket tops — stops to compare, not a recommended conversion.
Scenarios to compare, not a promise of savings.
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