Roth Conversion Bracket Analyzer · Tax Year 2026
Plan Roth conversions without hopping brackets
Lock in 2026 federal brackets, estimate the tax drag of a conversion, and see how much room you still have before stepping into the next marginal rate.
Enter your projected 2026 AGI before any Roth conversion.
Conversion amount is treated as additional ordinary income in 2026.
Taxable income (before conversion)
$103,900.00
Total tax (before conversion)
$17,570.00
Marginal bracket (before conversion)
22%
Taxable income (after conversion)
$103,900.00
Total tax (after conversion)
$17,570.00
Incremental tax from conversion
$0.00
Effective rate on conversion
0%
Room before next bracket
$1,800.00
- Your inputs suggest meaningful planning tradeoffs.
- Small assumption changes can materially change outcomes.
- A coordinated plan can reduce risk and improve efficiency.
Schedule a planning session to confirm you’re optimized and protected against downside scenarios.
Taxable income, total tax, and effective rates assume no Roth conversion.
Taxable income
$103,900.00
Total tax
$17,570.00
Effective tax rate
16.9%
Marginal bracket
22%
Incorporates the selected conversion amount as additional ordinary income.
Taxable income
$103,900.00
Total tax
$17,570.00
Incremental tax
$0.00
Effective rate on conversion
0%
Marginal bracket after conversion
22%
Conversion in current bracket
$0.00
Conversion spilling higher
$0.00
Based on your inputs, your current marginal bracket is 22%.
You can add approximately $1,800.00 of ordinary income (including conversions) before you enter the 24% bracket.
With the selected conversion amount of $0.00, about $0.00 stays in your current bracket and $0.00 is taxed at higher rates.