Roth Conversion Optimizer

Year-by-year conversion plan using 2025 tax tables, with IRMAA cliff detection and Social Security provisional income tracking.

Using 2025 federal tax tables

Core Inputs

Current AgeFiling StatusPre-Tax IRA Balance ($)Target Bracket to FillIRA Growth Rate (%)Roth Growth Rate (%)

Income Sources

Pre-Retirement Wages / Income (annual $)Retirement AgePost-Retirement Fixed Income (annual $) — dividends, rental, etc.Pension (annual $) — optionalPension Start AgeSocial Security Monthly Benefit ($) — optionalSS Claiming AgeInherited Distribution (annual $) — optionalInherited Dist. Ends at Age — blank = ongoing