Tax

Roth Conversion Bracket Analyzer (2026) Calculator

Lock in 2026 federal brackets, estimate the tax drag of a Roth conversion, and see how much room you still have before the next marginal rate.

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How to use

Choose your filing status and enter your projected 2026 AGI.
Pick standard or itemized deductions; enter itemized amount if applicable.
Enter the conversion amount you're considering.
Review the marginal/effective rates and how much of the conversion stays in your current bracket.

Assumptions & disclaimer

These calculators are educational. They use simplified models and the inputs you provide. Results are estimates and not personalized financial, tax, investment, or legal advice. Tax law, market behavior, and personal circumstances change — verify any assumption before acting on it, and consider working with a qualified professional for decisions that matter.

Tax year 2026 federal brackets and standard deductions; state tax is not modeled.
Conversion is treated as additional ordinary income on top of AGI.
Capital gains brackets, NIIT, IRMAA, and AMT are not modeled.