A Retired Couple, Both 75, With $850,000 in an IRA Has 54 Days to Take a $34,553 RMD. Here’s the Largest Roth Conversion That Stays in the 12% Bracket

Key takeaways

• For a couple at 75 with an $850,000 IRA, the RMD is $34,553, and the most they can convert inside the 12% bracket is $73,000, because each converted dollar makes more Social Security taxable.
• The direct answer: take the $34,553 RMD first, then convert $73,000.