This tool does not provide financial, investment, tax, legal, or accounting advice, and using it does not create any advisory or professional relationship. It is a self-service calculator for general educational and informational purposes only. Nothing it displays should be taken as a recommendation to convert — or not convert — any amount, or to take any other action. This tool also sells nothing — it runs no ads and has no affiliate, referral, or sponsorship relationships with any brokerage, bank, advisor network, or financial company, so it earns nothing from what you decide and has no incentive to steer you toward any product or provider.
The calculator models the 2026 federal brackets, standard deduction (including the 65+ additions and the 2025–2028 senior bonus deduction and its phase-out), Social Security provisional-income taxation, capital-gains stacking, the net investment income tax, Medicare IRMAA tiers, and a 51-jurisdiction summary of state conversion treatment. Real returns have more moving parts: itemized deductions, credits, phase-outs not modeled here, the pro-rata rule for IRAs with after-tax basis, employer-plan quirks, multi-state years, AMT, trust or estate situations, and more. IRMAA projections use 2026 tiers for premiums that will actually be set by 2028 tiers (not yet published). If any of this fine print applies to you, the real answer needs a professional.
Every figure is a projection built from the inputs you provide using simplified math. Tax law changes — sometimes retroactively (for example, ACA subsidy rules were in flux when this tool was built). Actual results will differ. No accuracy, completeness, or outcome is promised, and the calculations may contain errors. A conversion cannot be undone; do not convert based on this tool alone.
The state treatment table is a good-faith summary of 2026 rules gathered from state revenue department sources in July 2026. State rules have fine print — age conditions, caps shared with other pension income, recapture, residency timing — that a one-line summary cannot capture, and a few states' treatment of conversion income specifically is not explicitly documented (those rows are flagged in the tool). Always confirm with your state's tax authority or a preparer before relying on an exclusion.
For a decision this permanent, a fee-only fiduciary advisor or CPA who is paid for advice rather than for selling a product is worth real money.
This is an independent, privately made tool. It is not created, endorsed, sponsored, or reviewed by any government agency, brokerage, or financial company.
This tool is provided "as is," without warranty of any kind, express or implied, including any warranty of accuracy, merchantability, or fitness for a particular purpose. To the fullest extent permitted by law, the author shall not be liable for any loss or damages of any kind arising from your use of, or reliance on, this tool or its output. Your use is entirely at your own risk.
This tool is free to use. If a "tip" or "support" option is offered, any payment is a voluntary gift, is not a purchase of the tool or of any service, is not required to use any feature, and is non-refundable. Supporting the project does not entitle you to advice, support, or any particular result, and does not change any part of this disclaimer.
The tool and this notice may be updated at any time; the "Last updated" date above reflects the latest revision. Continued use means you accept the current version.
© 2026 Marcus Cunningham. All rights reserved. This tool is free to use, and you're welcome to share the link — but its code is not licensed for reuse, redistribution, rehosting, or repackaging. Please point people to the official site rather than copying the page.