ROTH Accelerator

There's a silent partner in your retirement account.

It's the IRS — and on the money in your 401(k) or traditional IRA, they're not a creditor you can pay off. They're a co-owner whose slice grows every year your nest egg does. Ask your first question below and see, in plain English, how to write them out of the will.

New here? Tap a question to begin —

Start free — no account or credit card.

Approximate numbers are fine — you won't need statements.

Please don't enter Social Security numbers, account numbers, or passwords.

Answers are AI-generated and can be wrong — the tax figures come from 2026 IRS numbers, but please verify anything important.

Computes every number — never guesses oneBuilt by an IRS Enrolled AgentBased on The 30-Day Roth Accelerator Handbook

How it works

1

Ask your question

Type anything, or tap one of the questions above. No signup to start.

2

See the real math

Grounded in 2026 tax law — with the actual numbers for your situation, in plain English.

3

Get a free retirement review

If you'd like a second set of eyes, Yields For You will look at your retirement and tax picture — no obligation.

The 30-Day Roth Accelerator — Companion

Your traditional IRA has a silent partner.

Want to see their cut of your retirement?

The Roth Accelerator AI runs your numbers against the book's source-verified 2026 tax figures — and refuses to guess when it shouldn't.

Leibel Sternbach, authorThe 30-Day Roth Accelerator Handbook — book cover
Leibel Sternbach, EA
Author, The 30-Day Roth Accelerator Handbook

Not another chatbot

A grounded AI that shows its work.

  • Grounded, not guessing

    It computes only from the book's source-verified 2026 tax figures (IRS, SSA, CMS, Appendix C) — not from a language model's fuzzy memory.

  • It runs the real calculators

    Ask about the widow's penalty and it runs the math and shows the arithmetic, so you can check every line.

  • It refuses to guess

    If a figure isn't in the verified data — next year's brackets, your state's rules — it says so and points you to a professional. It won't invent a number.

  • Educational, never a pitch

    Illustrative teaching on your own numbers, with the compliance note on every figure. Not advice.

The Toolkit

Run the book's numbers on your own life.

Two Paths, One Decision

Which reader are you?

The Protector

You want to shield the people you love.

You've seen what happens to a spouse in the year after — the paperwork, the tax bill nobody warned them about, the quiet erosion of a lifetime of careful saving. The Protector reads this book because the point isn't your retirement. It's hers. It's theirs.

The Steward

You refuse to hand the IRS more than it's owed.

You built this. You paid tax on the way in, you paid tax along the way, and you'd rather not spend the next thirty years watching a silent partner take a bigger cut than they earned. The Steward reads this book because good stewardship isn't loud — it's on purpose.

"The Steward and the Protector were never two people. They were two reasons to make the same decision."