# Tax Savings by Delaying Social Security Until 70

> Retirees converting $60,000 to Roth at 12% avoid 22% tax later.
- Title: Tax Savings by Delaying Social Security Until 70 | Shortify
- Summary: Retirees converting $60,000 to Roth at 12% avoid 22% tax later. Couples spending $60,000 a year can convert $70,000 to Roth at 12% and never pay 22% on it…
- Keywords: social security, roth conversion, tax bracket, retirement planning, ira, federal taxes, tax savings, retirement income, Tax, Savings, Delaying, Social
- Source: 24/7 Wall St. — https://247wallst.com/personal-finance/2026/10/15/the-eight-years-between-retiring-at-62-and-claiming-social-security-at-70-are-the-lowest-tax-bracket-most-retirees-will-ever-see-a-couple-spending-60000-can-convert-about-70000-a-year-to-a-roth-a
- Author: Vilma Rios
- Published: 2026-10-16T00:31:50+00:00
- Read time: 1 min
- Topics: social security, roth conversion, tax bracket, retirement planning, ira, federal taxes, tax savings, retirement income
## Retirees Leave Cheapest Tax Brackets Empty
Most retirees quit at 62, live off savings, and wait until 70 for largest Social Security check.
## Tax Brackets for 2026 Joint Filers
For married couples filing joint returns in 2026, 10% applies to income up to $24,800 and 12% to income up to $100,800.
## Roth Conversion Saves Tax
A couple spending $60,000 can convert $70,000 to Roth at 12% and save $56,000 over eight years compared to 22% tax later.
## Tax Impact at Age 70
At 70, Social Security checks start, but required minimum distributions kick in at 75 for those born in 1960 or later.
## Three Traps for Roth Conversion
ACA health coverage, Medicare’s two-year lookback, and paying tax outside the IRA can shrink conversion window.
## Who Should Keep Traditional IRA
Couples with small IRAs, heirs in lower tax brackets, or those moving to no-income-tax states should keep traditional IRA.
## Roth Conversion Saves Money
Over eight years, converting $560,000 to Roth saves $56,000 compared to 22% tax later on the same dollars.
## Key takeaway

Couples spending $60,000 a year can convert $70,000 to Roth at 12% and never pay 22% on it again.