A free 30-year estimate of what Roth conversions could save you in lifetime taxes, required distributions, and Medicare surcharges.
Every dollar in a traditional IRA or 401(k) is taxed when it comes out — and at 73 or 75 the IRS forces it out with required minimum distributions. Smart Roth conversions in your low-income years can save six figures over a retirement. Try the estimator, then let us build your real plan.
Educational estimate only — not tax, legal, or investment advice. Assumes 2026 federal tax law (Rev. Proc. 2025-32 & OBBBA) projected forward at 2.5% inflation, 6% investment growth, taxes on conversions paid from outside funds, and a 24% tax rate for heirs on inherited traditional balances. Ignores state tax, capital gains, and many personal factors. Your professional review models your actual numbers — including Medicare IRMAA timing, the 2-year lookback, and multi-year bracket management.
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