Roth Conversion Planner
Find the sweet spot: convert enough each year to fill low tax brackets, but not so much that you jump to expensive ones.
Your conversion options
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.
Why Roth Conversions Can Save You $100K+
Most people with Traditional IRAs or old 401(k)s are sitting on a tax time bomb. The money will be taxed eventually — either when you withdraw it voluntarily, or when the IRS forces you to at age 73.
The trick is to convert strategically during your low-income years (typically between retiring and starting Social Security), paying 10-12% now instead of 32-35% later. Over a lifetime, this can save $100,000 to $500,000+ depending on your balance.
How This Planner Works
Enter your Traditional IRA balance, age, and filing status. The planner shows three scenarios: doing nothing (expensive), filling the 12% bracket (usually optimal), and filling the 22% bracket (aggressive). You'll see the total lifetime tax under each scenario plus a year-by-year conversion plan.