Tax Strategy
Optimize your Roth conversions.
Find the optimal amount to convert each year.
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Example
$50k/yr
recommended conversion
The calculator
Your numbers, your plan.
Why Roth conversion timing matters
Roth conversion strategy is mostly about tax brackets. A good plan fills lower brackets deliberately before required minimum distributions force larger taxable income later.
What this model is good for
It helps you compare the tax you pay now against the tax you may be avoiding later. That makes it useful for early retirees, lower income gap years, and households trying to smooth future taxable income.
What still needs judgment
Filing status, future legislation, Social Security timing, and account-level withdrawal sequencing all matter. The calculator gives you a planning range, then a human still needs to make the call.