# Roth IRA Conversion Tax Gap by Age

> Retirees turning 62 vs 70 face stark tax differences on $400k IRA conversions.
- Title: Roth IRA Conversion Tax Gap by Age · 24/7 Wall St. | Shortify
- Summary: Retirees turning 62 vs 70 face stark tax differences on $400k IRA conversions. A retiree turning 62 in 2027 pays $48,000 federal tax on $400k IRA conversion…
- Keywords: roth ira, required minimum distributions, federal tax, ira conversion, retirement age, tax brackets, social security, federal deduction, Roth, IRA, Conversion, Tax
- Source: 24/7 Wall St. — https://247wallst.com/personal-finance/2026/10/26/a-retiree-turning-62-in-2027-has-11-conversion-years-before-rmds-one-turning-70-has-three-the-same-400000-comes-out-at-12-in-the-first-case-and-mostly-at-22-in-the-second
- Author: David Beren
- Published: 2026-10-26T13:49:29+00:00
- Read time: 1 min
- Topics: roth ira, required minimum distributions, federal tax, ira conversion, retirement age, tax brackets, social security, federal deduction
## Roth IRA Conversion Window
A retiree turning 62 in 2027 has 11 conversion years before RMDs start.
## RMD Age Rules
People turning 72 after 2022 have RMD age 73 until January 1, 2033.
## Tax Bracket Comparison
The 62-year-old couple pays 12% tax on $400,000 conversion versus 22% for the 70-year-old.
## Annual Conversion Amounts
The 62-year-old converts $36,364 annually while the 70-year-old converts $133,333.
## Tax Impact
The 70-year-old pays $24,100 more federal tax on $400,000 conversion than the 62-year-old.
## Social Security Impact
The 70-year-old couple’s income hits $213,333 annually, near 2026 tax brackets.
## Medicare Premiums
The 70-year-old couple’s Part B premiums rise from $202.90 to $284.10 monthly.
## Federal Reserve Data
Households aged 55-69 hold 49.5% of retirement assets versus 9.4% for 70+.
## Key takeaway

A retiree turning 62 in 2027 pays $48,000 federal tax on $400k IRA conversion versus $72,100 for one turning 70.