Roth Conversion Tax Estimator

Convert now at a low rate — or pay more later?

The window between retirement and age 73 — before RMDs begin — is the most valuable tax planning window most Americans never use. This tool shows you exactly what converting costs now, and how much it saves later.

$0

Roth withdrawals taxed

73

Age RMDs begin

8%

Guaranteed IRA growth per year delayed SS

1
Your Current Financial Situation

Best window: 60–72, before RMDs at 73

yrs

Total tax-deferred account balance

$

Social Security, pension, part-time work, investment income

$

Your Current Federal Tax Brackets (2026)

2
Conversion Strategy

Years from now until age 73 (RMD start) is your conversion window

yrs
%/yr
Annual Conversion Amount$50,000
$5,000$200,000

Converting too much in one year can push you into a higher bracket or trigger IRMAA Medicare surcharges. The optimal amount stays within your current bracket.

Tax Cost This Year

if you convert now

Total Tax Over Window

converting annually until RMDs

Estimated Tax Savings

vs. paying RMD taxes later

Year-by-Year Conversion Plan

The Honest Assessment

Watch: Roth Conversion — Should You Do It Before You Retire?

The full video covers the bridge years strategy, IRMAA exposure, and whether converting makes sense for your bracket.

▶ Watch Free

Sources

The Motley Fool — Roth Conversions in Your 60s: The Bridge Years Strategy
fool.com — Roth Conversion Bridge Strategy

IRS — 2026 Federal Income Tax Brackets and RMD Rules
irs.gov — RMD FAQs

Fidelity — Roth IRA Conversions and Tax Planning
fidelity.com — Retirement Tax Guidelines