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Pro-Rata Rule (Form 8606) check + IRMAA 2-yr-lookback Medicare surcharge + Roth vs Traditional decision. Three traps. Free. Should you convert your Traditional IRA to Roth? This calculator gives you an instant answer. FREE FEATURES: • Calculate the federal tax cost of converting any amount to Roth IRA • See which tax bracket your conversion pushes you into • Understand the effective tax rate on your conversion • Based on 2026 OBBBA-permanent tax brackets PRO FEATURES ($2.99/month): • Multi-year projection: Compare Roth vs Traditional growth over 30 years • Break-even analysis: Find out when the Roth conversion pays for itself • IRMAA warning: Avoid triggering higher Medicare premiums • Save and compare multiple conversion scenarios Perfect for: ✓ Early retirees planning Roth conversion ladders ✓ High earners considering backdoor Roth strategies ✓ Anyone doing multi-year Roth conversions to fill lower tax brackets ✓ Retirees avoiding RMDs with strategic Roth conversions Why use this calculator: - Privacy-first: All calculations happen on your device. No data sent to servers. - Always accessible: Right in your browser toolbar, no website to visit - 2026 tax brackets: Uses the latest OBBBA-permanent federal tax rates - Cross-platform: Works on any device with Chrome or Edge browser This is the ONLY Roth conversion calculator available as a Chrome extension. All competitors are web-only tools. Built by QuantCalc, makers of the #1 free Monte Carlo retirement calculator.