Step 8 of 15
Roth Conversion Optimizer
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Find out if converting your tax-deferred assets to a Roth IRA this year makes mathematical sense.
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Your Details
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Combined income determines your current tax bracket for conversion strategy.
Balances & Cash
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⚙️ Advanced Assumptions
3% Conservative20% Aggressive
0% No Inflation6% High Inflation
Optimization Plan
Calculate to see if you should be converting your pre-tax assets to Roth.
📖 Methodology & Guidance
Inputs: Current taxable income, tax-deferred balances, and availability of cash to pay taxes.
Outputs: Suggests an optimal conversion amount to “fill up” your current tax bracket without spilling into a higher bracket.
How to use: If your current tax bracket is notoriously low (e.g., early retirement before claiming SS), converting now minimizes the massive taxes you would otherwise pay during RMDs.