Free Roth Conversion Calculator

How much of your traditional IRA should you convert to a Roth each year? This free tool runs a real optimization model to find the schedule that minimizes your lifetime taxes.

FreeNo signup Python + PuLP/CBCFederal tax only

Your situation

Filing status

Current age

Plan through age

Birth year (sets RMD age)

Account balances

Traditional IRA / 401(k)

Roth IRA

Taxable / brokerage

Not used yet — reserved for a future version that pays conversion tax from this account.

Income & growth

Expected real return

After inflation; applied to all accounts.

Social Security (annual)

In today's dollars.

Social Security starts at age

Other income (annual)

Pension, rental, etc. Assumed flat once it starts.

Other income starts at age

Blank = from your current age.

Future tax rate on un-converted IRA

Rate the leftover pre-tax IRA gets taxed at later (you or your heirs). This is what makes converting worthwhile — higher rate, convert more now.

Advanced assumptions

Objective

Social Security taxable portion

Inflation-index brackets

Force IRA fully converted by the end Apply age-65+ standard deduction

What-if: future tax increase

Model a future rate hike

Add to every bracket

Starting in year

Result

Year-by-year plan

Age	IRA (start)	RMD	Convert	Taxable income	Top bracket	Tax	Roth (start)

Not tax or investment advice. This version sizes your yearly conversions only — it does not yet model your living expenses or which account pays the tax bill (your accounts simply grow at the return you set). It also simplifies real tax law (federal only; a single real return; Social Security taxed at a flat fraction; no state tax, IRMAA, NIIT, or pre-59½ penalty). Results depend entirely on the assumptions you choose. Confirm any plan with a qualified tax professional before acting. Built by Kind-of-Lost.