Should I Convert to Roth This Year?

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

Your Roth Picture

$50,000
24%
15 yrs

Your Roth Decision

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.

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Sentient Financial, LLC is a state-registered investment adviser in California. This calculator is for educational purposes only and does not constitute investment, tax, or legal advice. Results are estimates based on 2026 figures and simplifying assumptions; your situation may differ. Nothing here should be taken as a recommendation to buy or sell securities or to implement a specific strategy. Past performance does not guarantee future results.