✅ Verified against IRS Rev. Proc. 2025-32 · Updated September 2026
Don't guess your Roth conversion amount. See what happens before you convert.
A private, browser-based Roth conversion planning tool that lets you compare conversion amounts across tax brackets, future RMDs, Medicare IRMAA, Social Security and retirement wealth. Model your numbers. Compare the scenarios. Make a more informed decision.
See $50K vs $100K vs $150K — before you move a dollar.
Launch price: $49 one-time for early customers — future price $97. Price rises once we're past launch.
🔒 100% browser-based
💳 No subscription
📊 2026 tax data
🔐 Your financial numbers stay on your device
Built for people who are:
50–70 years old$250K–$2M+ in Traditional IRA / 401(k)Considering a Roth conversionApproaching retirementConcerned about IRMAA / RMDsWant to compare strategies before deciding
The question isn't “Should I convert to Roth?”
The real question is: how much should I convert — and what happens if I convert too much or too little? A $50,000 conversion and a $150,000 conversion can produce very different outcomes.
“How much tax will I owe?”
“What happens if I convert $50K, $75K, $100K or $150K?” — that's a much better question.
Your conversion can affect your current federal tax bill, your marginal bracket, future Required Minimum Distributions, Medicare IRMAA exposure, taxable Social Security, your future Roth balance, and your projected after-tax wealth. Looking at one conversion number isn't enough — Roth Conversion Optimizer PRO lets you put different strategies side-by-side before you decide.
What happens if you convert…
$50K vs $75K vs $100K vs $150K?
Instead of guessing, compare the scenarios.
$50K$75K$100K$150K
Then see how each scenario can affect:
Tax Today
Estimated federal + state tax impact
Future RMDs
How your Traditional balance and future RMDs may change
Medicare
Potential IRMAA exposure
Social Security
Potential interaction with taxable benefits
Retirement Wealth
Projected Roth, Traditional and after-tax wealth
Lifetime Tax
Estimated tax impact across the modeled period
One decision. Multiple scenarios.
That's the difference between a calculator and a planning tool.
Illustrative example. Run the same comparison with your own numbers — the free calculator is below, full multi-scenario comparison is a PRO feature.
Your Roth conversion decision has more moving parts than a tax bracket
That's why PRO brings them together in one place.
01
Conversion Sweet Spot
See how much estimated room you have within selected tax brackets — current income → bracket headroom → proposed conversion → resulting tax position. No more doing the math manually.
02
Year-by-Year Conversion Ladder
A Roth conversion decision isn't always about one year. Model a multi-year strategy and see how your Traditional and Roth balances may evolve before retirement, year by year.
03
Scenario Comparison
This is where the real decision happens. Compare conversion amount, estimated tax now, estimated retirement tax, lifetime tax, Roth balance, after-tax wealth, break-even age, and strategy verdict — side by side.
“Is $100K enough?”
“Which scenario makes the most sense for my assumptions?”
04
RMD Impact
Your Traditional IRA balance can influence future Required Minimum Distributions. Compare projected RMDs with and without conversions, including estimated tax impact and cumulative RMD tax savings.
05
Medicare IRMAA
A Roth conversion can affect more than your income-tax bracket. See a 2026 IRMAA analysis showing where your modeled income falls relative to the thresholds: conversion → MAGI → IRMAA exposure → total modeled impact.
06
Social Security Tax Optimization
See how modeled conversion amounts interact with Social Security taxation, with taxable-percentage modeling by conversion amount and claim-age break-even analysis.
07
Illustrative Monte Carlo Stress Test
Runs 500 randomized market-return scenarios to show how different outcomes can affect projected portfolio survival. An educational stress test — not a guarantee or prediction of investment returns.
08
Local AI Planning Assistant
A rule-based advisor built into the tool — runs locally, no external API, no data leaves your browser.
09
Complete 2026 Roth Conversion Guide
Verified against IRS Rev. Proc. 2025-32 and current SSA/CMS Medicare tables.
10
Private CSV Import / Export
Bring your own numbers in, take your planning data out — never uploaded anywhere.
Your future RMDs matter today
A conversion isn't only about today's tax bill. PRO lets you compare projected RMDs with and without conversions, including estimated tax impact and cumulative RMD tax savings.
No Conversion
Higher projected Traditional balance
↓
Potentially larger future RMDs
↓
Potentially more taxable income
With Conversion
Lower Traditional balance
↓
Potentially smaller RMDs
↓
More assets positioned in Roth
Medicare can change the math
A Roth conversion can affect more than your income-tax bracket. Medicare IRMAA can make higher-income years more expensive. PRO includes a 2026 IRMAA analysis so you can see where your modeled income falls relative to the thresholds.
Don't look at the conversion in isolation. Look at:
The PRO tax-bracket module includes 2026 IRMAA tiers and state-tax impact.
And then there's Social Security
Your Roth conversion strategy can interact with taxable Social Security benefits.
Social Security Tax Optimization
See how modeled conversion amounts interact with Social Security taxation and explore different claiming-age scenarios. The module specifically models taxable percentages by conversion amount and claim-age break-even analysis.
What if the market doesn't cooperate?
Don't rely on a single future-return assumption. PRO includes an illustrative Monte Carlo stress test that runs 500 randomized market-return scenarios to show how different outcomes can affect projected portfolio survival.
⚠ Important
This is an educational stress test — not a guarantee or prediction of investment returns.
Your private numbers stay private
No account. No financial-data upload. No cloud dashboard. The tool runs locally in your browser — your inputs remain on your device while you're using it.
🔒
Browser-Based
Your calculations run in your browser.
🚫
No Account Required
Try the calculator without creating an account.
🛡️
No Financial Data Upload
Your retirement numbers don't need to be sent to a server.
Free vs. PRO
FREE
Basic Roth conversion estimate
Basic tax impact
Quick preview
No signup
PRO — Launch Price $49 $97
Multi-year conversion ladder
Compare multiple conversion strategies
RMD impact
Medicare IRMAA analysis
Social Security tax impact
Illustrative market stress test
Local AI Advisor
2026 tax brackets
CSV import/export
Lifetime access — one payment, no subscription
Free tells you the number. PRO helps you understand the decision.
Who is this for?
Roth Conversion Optimizer PRO is built for people who:
Are approaching retirement or already retired
Have meaningful Traditional IRA / 401(k) balances
Are considering Roth conversions
Want to understand their tax-bracket headroom
Are concerned about future RMDs
Are approaching Medicare and want to understand IRMAA exposure
Want to compare multiple conversion amounts
Prefer doing their own financial planning before speaking with an advisor
Want a private tool instead of uploading financial information elsewhere
Who probably shouldn't buy it:
You don't have a Traditional IRA/401(k) balance
You're not considering Roth conversions
You want a CPA or CFP to make the decision for you
You need personalized tax or investment advice
You expect the tool to guarantee future tax savings
It's a planning tool — not a replacement for professional advice.
Built around the numbers that actually matter
2026 Tax Brackets
Model your estimated federal bracket position and conversion headroom.
RMDs
See projected RMD differences with and without conversions.
Medicare IRMAA
Identify modeled income levels that may move you into higher IRMAA tiers.
Social Security
Explore how conversion amounts can interact with taxable Social Security.
Retirement Wealth
Compare projected Traditional and Roth balances.
Lifetime Tax
Compare estimated tax across modeled strategies.
Scenario Testing: change the conversion amount and see how the picture changes.
From the Blog
Real Roth conversion case studies and 2026 planning guides — new posts added regularly.
Loading latest posts…
RMD Start Age
73
Std. Deduction (MFJ)
$32,200
Roth Contribution (50+)
$8,600
IRMAA Threshold (MFJ)
$218,000
Frequently Asked Questions
Is this financial advice?
No. Roth Conversion Optimizer PRO is an educational planning and modeling tool. It does not provide personalized financial, tax or legal advice. Always verify important decisions with a qualified tax or financial professional.
Does the tool upload my financial information?
The application is designed to run in your browser without sending your entered financial data to a server.
Is this a subscription?
No. PRO is offered as a one-time purchase.
Can I use it every year?
Yes. You can keep the standalone PRO file and use it for planning. However, tax rules and thresholds can change, so verify the current-year information before relying on any result.
Does it guarantee tax savings?
No. The results are estimates based on your inputs and the assumptions built into the tool.
Does it replace a CPA or financial advisor?
No. Think of it as a planning and scenario-analysis tool you can use before your conversation with a professional.
Did tax rates go up in 2026?
No. The OBBBA made the TCJA's individual rate brackets permanent in July 2025, so the scheduled 2026 sunset never happened.
Before you convert, run the numbers.
See how different Roth conversion strategies could affect your taxes, RMDs, Medicare IRMAA and retirement wealth.
$97$49launch price · one-time · lifetime access
⏳ Launch pricing for early customers — rises to $97 later