Roth Conversion Optimizer
← Back to Projection
Tax Estimator
Profile
Birth Year
Filing Status
Single
Married (MFJ)
Married (MFS)
Withdrawal Age
COLA %
Project to Age
Pre-Tax Accounts
Current Balance ($)
Return %
Target Income ($)
Roth Account
Current Balance ($)
Return %
Social Security
FRA Monthly ($)
FRA
66
67
SS Claim Age
Conversion Settings
Max bracket to convert into
22% — conservative
24% — recommended
32% — aggressive
Converting into higher brackets can still pay off if it prevents future RMDs pushing you into 32–37%
Tax rate on future RMD income (%)
Your assumed marginal rate once SS + RMDs stack. Higher = more reason to convert now.
⟳
Recommended Annual Conversion
Loading…
—
Annual Roth Conversion
$0
Additional amount converted from pre-tax → Roth each year during the window (on top of target income, taxed as ordinary income in the conversion year)
⟳ Use recommended amount
← Apply to projection
Set slider then click to return with this value
Window A — Withdrawal → SS
Ages — to —
Lifetime tax — no conversion
—
Lifetime tax — with conversion
(incl. upfront)
—
↳ Extra tax during window
—
↳ Savings after window
—
Net lifetime savings
—
Break-even age
—
Roth bal at end of window
—
Window B — Withdrawal → RMD
Ages — to —
Lifetime tax — no conversion
—
Lifetime tax — with conversion
(incl. upfront)
—
↳ Extra tax during window
—
↳ Savings after window
—
Net lifetime savings
—
Break-even age
—
Roth bal at end of window
—
Lifetime Federal Tax — No Conversion vs Slider Amount
Bracket fill during conversion window (with current slider)
Pre-Tax Balance — No Conversion vs Slider Amount