Roth Conversion Planner
Find the optimal amount to convert from Traditional IRA to Roth each year, with year-by-year plans.
Your situation
Enter your IRA balances and we'll show you the optimal conversion strategy.
Your conversion options
Do nothing
Wait for required withdrawals at age 73
Total lifetime tax on this money
$1,199,705
Required withdrawals at 73 will push you into the 32-35% bracket
Convert $129,150/year
Fill the 12% bracket (ages 52-59)
Total lifetime tax on this money
$80,259
You save $1,119,446 vs doing nothing
Convert $238,900/year
Fill the 22% bracket (aggressive)
Total lifetime tax on this money
$120,906
You save $1,078,799 vs doing nothing
Year-by-year plan
Recommended strategy: convert $129,150/year for 8 years
| Year | Age | Convert | Tax | Bracket | Remaining |
|---|---|---|---|---|---|
| 2026 | 52 | $129,150 | $11,157 | 12% | $711,101 |
| 2027 | 53 | $129,150 | $11,157 | 12% | $616,868 |
| 2028 | 54 | $129,150 | $11,157 | 12% | $516,981 |
| 2029 | 55 | $129,150 | $11,157 | 12% | $411,101 |
| 2030 | 56 | $129,150 | $11,157 | 12% | $298,868 |
| ... continues for 3 more years until IRA is empty | |||||
| 2033 | 59 | $53,796 | $2,160 | 12% | $0 |
Tax Calculator
Compare taxes on investment income across 260+ cities worldwide.
Move & Save
See how much you'd save by moving to another country.
These are simplified estimates. Actual Roth conversion strategy depends on your full tax picture including state taxes, IRMAA implications, ACA subsidies, and other factors. Always consult a qualified tax professional.