Planning tool · about 6 minutes · 3 steps
Multi-Year Roth Conversion Planner
Sketch a year-by-year conversion schedule that fills your target bracket between now and RMDs — with the tax cost of each year shown.
What you'll walk away with
- A year-by-year conversion schedule sized to your target bracket
- The estimated federal tax and remaining pre-tax balance for each year
- IRMAA and income-change cautions flagged where they apply
Your answers stay in this browser and are never uploaded. You can leave and pick up where you stopped.
Step 1 of 3: Your conversion window0%
Your conversion window
The window runs from now until required minimum distributions begin.
Keep going
- Roth ConversionSee which federal brackets a proposed Roth conversion would fill, the estimated extra tax, and how much room remains in your target bracket.Calculator
- RMD CalculatorEstimate this year's required minimum distribution and see projected RMDs for the years ahead.Calculator
- Medicare IRMAASee whether your income triggers Medicare premium surcharges — and how close you are to the next cliff.Calculator
- The Roth Conversion Planning GuideFilling brackets, dodging cliffs, and deciding whether conversions fit your plan.Guide
- The Roth Conversion Window Most People Don't Notice Until It's Closing7 min readArticle
Want a second set of eyes on this?
If you'd like to talk through what these numbers mean for your situation, you can schedule a free, no-pressure conversation. No products, no pitch — just questions answered.