CALCULATOR
How Much Can I Convert? Bracket Headroom Calculator (2026)
The art of a Roth conversion is filling up a low tax bracket without spilling into the next one. This calculator shows your bracket headroom — how many dollars you can convert this year before you cross into a higher 2026 federal bracket — so you convert the cheap, low-rate room on purpose instead of by accident. It is the 'how much' companion to the break-even question, and it uses the same source-verified 2026 brackets as the book.
Run it on your own numbers
Frequently asked
How much can I convert without jumping brackets?
Your bracket headroom is the number of dollars you can convert this year before your taxable income crosses into the next 2026 federal bracket. Converting up to — but not past — that line fills the cheap, low-rate room on purpose.
One number is a clue. Your plan is the answer.
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Illustrative and educational only — not tax, legal, or investment advice. Figures are a 2026 snapshot and change.