Roth Conversion Optimizer
Compare tax-bracket conversion strategies and identify the scenario with the highest projected after-tax estate.
Household
Assets
Tax and conversion settings
The optimizer tests annual conversions through the selected end age and only accepts a strategy that catches the no-conversion scenario by the maximum break-even age.
Annual income timeline
Enter annual amounts in today’s dollars. Each amount grows with the inflation input.
Annual expense timeline
Enter annual spending in today’s dollars. Each amount grows with inflation.
Roth conversion analysis
Roth Conversion Optimization Report
Projected after-tax assets
Recommended strategy compared with no Roth conversions.
Annual conversion and tax
Conversions are taxable income but move assets into the Roth account.
Recommended annual schedule
Dollar values are nominal for each projected year.
| Year | Age | Income | Expenses | RMD | Conversion | Federal tax | State tax | Qualified | Roth | Taxable | After-tax assets |
|---|
Methodology and assumptions
This calculator is an educational projection, not tax, legal, or investment advice. Roth conversion decisions should be reviewed with a qualified tax professional.