Roth Conversion Optimizer
Compare tax-bracket conversion strategies and identify the scenario with the highest projected value based on your selected objective.
Household
Assets
Tax and conversion settings
Choose whether the optimizer should maximize total account assets at age 95 or estimated after-tax estate. The selected strategy must beat the no-conversion scenario on the selected metric 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 comparison
The chart follows the selected optimization goal against the no-conversion scenario.
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 | Total assets | After-tax estate | Total assets no conversion | After-tax estate no conversion |
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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.