Gate 0 · Demand check
Will a Roth conversion push you onto the Medicare IRMAA cliff?
A free, auditable calculator for the 2026 IRMAA brackets. Four inputs. Clear arithmetic. No “you should” advice — you decide with professionals you trust.
Show the work
Every result expands into the bracket match and monthly × 12 math you can recompute by hand.
CMS 2026 sourced
Brackets and surcharges from the CMS fact sheet, cross-checked with a Python golden script.
Honest scope
Educational scenarios only. Not a fiduciary product. Not charging until Gate criteria pass.
What comes next
If enough people use the free tool and signal willingness to pay, we may build side-by-side Roth conversion scenarios (still educational — never “the plan you must follow”). Until then: calculator + learning notes only.