Custom Roth Analysis

Simplified Roth Conversion Calculator

Simplified Roth Conversion Calculator

Basic Inputs
Advanced Options
Results

Personal Information

Retirement Assets

Market & Growth Assumptions

6.0%
2.0%
Roth Conversion Analysis

This calculator helps you determine if Roth conversions make financial sense based on your unique situation.

The calculator considers:

  • Required Minimum Distributions (RMDs)
  • Medicare IRMAA surcharges
  • Tax bracket changes in retirement
  • Current vs. future tax rates

Click "Advanced Options" for more detailed settings.

Advanced Tax Settings

RMD & IRMAA Settings

Legacy & Estate Planning

Why These Settings Matter

Advanced settings allow for more precise analysis:

  • RMDs can force withdrawals that push you into higher tax brackets
  • IRMAA adds Medicare premium surcharges at higher income levels
  • Legacy planning affects the value calculation if you plan to leave assets to heirs

Conversion Analysis Results

Current Tax Situation

Current Tax Bracket:
$0 - $0
Marginal Tax Rate:
0.0%
Effective Tax Rate:
0.0%
Standard Deduction (2025):
$0

Conversion Options

Available Conversion Room (Current Bracket):
$0
Tax on Max Conversion:
$0
Next Bracket Amount:
$0

Retirement Projection

Projected Retirement Income:
$0
Retirement Tax Bracket:
$0
Retirement Effective Tax Rate:
0.0%
First RMD Amount (Age 75):
$0

IRMAA Impact Analysis

IRMAA Surcharges Without Conversion:
$0
IRMAA Surcharges With Conversion:
$0
Lifetime IRMAA Savings:
$0
Expected IRMAA Tier:
Base
No Conversion
With Conversion

Analysis Insights:

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