Roth Conversion Estimator

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

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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