It's telling me "Converting to a ROTH may not be right for you."
Not sure I understand. I have about 27k in tIRA and $40k in ROTH. All contributions have been after-tax, nondeductible. The tIRA balance has maybe $2k in gains. I converted in 2010 and it had built back up.
Now, I'm looking to convert because I am looking to FIRE next year and rollover my 401k. So doing it this year would prevent my cost basis from being reset (to a much higher figure) after I do the rollover, is my understanding.
So this calculator's conclusion seems to be wrong for this scenario.