Roth Conversion Analyzer
Model the tax impact of converting your Traditional IRA to a Roth. See the cost now versus the savings over your lifetime.
Your Situation
Assumptions
Tax Cost of This Conversion
Future Impact
This conversion is projected to save you money over 20 years of retirement through reduced RMDs and tax-free Roth growth.
Pay taxes on your terms — not the government's schedule.
Roth Conversions Require Precision
The right conversion amount depends on your exact tax situation, IRMAA thresholds, ACA subsidies, and year-by-year projections. A general calculator can only go so far.
Get a Year-by-Year Roth PlanEstimates use simplified assumptions. Actual tax impact varies by filing status, deductions, state taxes, and tax law changes. This tool is for educational purposes only. Consult a qualified tax advisor before executing Roth conversions.
Roth Conversions for Florida Retirees: Why Tampa Bay Is Ideal
Florida's zero state income tax makes it one of the best states for Roth conversions. When you convert in Florida, you only pay federal income tax on the conversion — saving you the 5-13% state tax that residents of New York, California, or New Jersey would owe on the same transaction.
The optimal Roth conversion window is typically between retirement and age 73, when RMDs begin. During these lower-income years, you can strategically fill lower tax brackets, moving money from tax-deferred to tax-free while rates are at their lowest. With the TCJA tax cuts set to sunset after 2025, the window may be narrowing.
This analyzer provides general estimates. The actual optimal conversion amount depends on your complete income picture — Social Security timing, Medicare IRMAA thresholds, ACA subsidies, and year-by-year bracket projections. Schedule a free Roth analysis with our Tampa Bay team.
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