Retirement Tax Planning Tool
Your Retirement Tax Bomb
Calculator
Calculator
Discover your future tax exposure — and what a Roth conversion strategy could change
Tell us about yourself
Your current retirement assets
Pre-tax (tax-deferred) accounts
After-tax accounts
Retirement income sources
Your tax picture
Auto-filled from your state selection on Step 1
Design your Roth conversion strategy
How much to convert each year
Typically until retirement or age 72
Your Retirement Tax Analysis
Section 1 — your tax bomb snapshot
Pre-tax assets today
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Projected at retirement
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Projected at age 73
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Embedded tax liability
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Section 2 — RMD risk
First RMD at age 73
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Total retirement income
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Income need
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RMD pressure
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Section 3 — path comparison
Path A — Do nothingNo Roth conversion
Lifetime taxes—
RMD at 73—
Roth / tax-free—
Legacy value—
Path B — Roth strategyStaged conversions
Lifetime taxes—
RMD at 73—
Roth / tax-free—
Legacy value—
Section 4 — projected balances over time
Pre-tax (no conversion)
Pre-tax (with strategy)
Roth (with strategy)
Section 5 — tax burden comparison
Do nothing
With Roth strategy
Section 6 — Roth opportunity summary
Total converted to Roth
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Taxes paid converting
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Roth value at retirement
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Tax-free income capacity
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You may be a strong candidate for a Roth Conversion Income Strategy.
A strategy review can show you exactly how to reduce your future tax exposure.
Book My Strategy Review →
Calculator results are hypothetical estimates based on information you provide and planning assumptions. They are not tax, legal, or investment advice. Actual results will vary. Tax laws are subject to change. RMD calculations use the IRS Uniform Lifetime Table. Please consult your tax professional or financial advisor before implementing any Roth conversion strategy.