Roth Conversion Optimizer

Roth Conversion Optimizer

The Roth Conversion Optimizer sizes how much to convert each year to fill your current bracket without spilling into the next one. You enter your taxable income now, your filing status, the years until you need the money, and an expected growth rate, and it returns the conversion amount, the tax due today, and the tax-free value down the road. Converting traditional dollars to Roth means paying tax now in a known bracket so the balance grows and comes out tax-free later. The tool plots that converted amount compounding year by year. Use it in lower-income years before retirement or before required distributions begin. It frames a conversion as a clear trade between tax today and tax-free growth tomorrow.