Should I Convert to Roth This Year?

Model the tax cost of a 2026 Roth conversion vs. paying tax on future withdrawals.

Filing status

Married Filing Jointly Single

Your 2026 taxable income before any conversion

Traditional IRA / 401(k) balance

How much do you want to convert this year?

$50,000

Expected marginal tax rate in retirement

24%

Years until you'd withdraw the money

15 yrs

Recommendation

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Tax cost of conversion

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Current marginal rate

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Rate you fill up to

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Net after-tax gain over ${'years'} yrs

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Includes bracket-fill analysis and IRMAA sensitivity.

Ready to See What a Clear Plan Could Look Like for You?

If you’ve got 20 minutes and want an honest conversation about your retirement income and tax picture, let’s find out if we’re the right fit.