Roth Conversion Planner
Roth conversion calculator with IRMAA and tax-cliff context
Compare Roth conversion schedules with ordinary brackets, IRMAA, ACA, LTCG, NIIT, RMD, and 5-year-clock constraints visible.
Roth conversion planning is rarely just a bracket-filling exercise. Medicare premiums, ACA cliffs, capital gains, required distributions, and cash-flow timing can all change the modeled tradeoff.
View a recorded example without signing in. A Free account includes 1 run per day in each planner. Pro includes unlimited runs and advanced planning features.
Start with one question
Explore the results
Tax-cliff conversion window
How much can you convert before IRMAA, ACA, or bracket thresholds bind?
Open pre-RMD example
Retirement cash-flow follow-through
How does the conversion schedule change withdrawals and later RMD pressure?
Open Retirement Planner
What the planner compares
- A baseline path against a proposed multi-year conversion schedule.
- Ordinary bracket caps alongside IRMAA, ACA, LTCG, NIIT, and RMD constraints.
- Tax and wealth effects across the modeled projection window.
Why simple rules can miss
A conversion that looks efficient against ordinary brackets can still create side effects through MAGI-sensitive thresholds, capital-gain interactions, Medicare lookback windows, or future RMD exposure.
Inputs to review carefully
- Filing status, ordinary income, Social Security, and state tax assumptions.
- Account balances by tax treatment and conversion cash source.
- Constraint settings for brackets, IRMAA, ACA, LTCG, NIIT, and 5-year clocks.
Interpretation boundary
The planner is a deterministic modeling aid. It does not decide whether a conversion is appropriate, and it does not replace professional tax or financial advice.
FAQ
- Is this only for retirees already taking RMDs?
- No. It can also model pre-RMD conversion windows, where ordinary brackets, ACA exposure, and future RMD pressure may interact.