Retirement income, in plain English
Educational conversion tool
Roth Conversion Calculator
Explore a Roth conversion timeline with an educational planning tool.
Explore the timeline
An interactive year-by-year workspace
Use the tool to explore a Roth conversion schedule and review the assumptions that shape the projection.
Important context
Educational model disclosures
- Output is hypothetical and educational — not tax, legal, insurance, or financial advice; not a product illustration, offer, or recommendation.
- Index credits can vary, can be zero, and may be affected by caps, spreads, participation terms, surrender periods, and the vesting of any amount credited at issue.
- Any amount credited at issue, where modeled, may be subject to vesting and surrender terms that differ by contract.
- Withdrawal allowances differ by contract.
- 2026 federal brackets, deductions, and IRMAA thresholds are held constant across the projection; state tax, NIIT, the temporary enhanced senior deduction, phase-outs, and individualized Social Security taxation are excluded from the model.
- RMDs use the Uniform Lifetime Table and a simplified starting-age estimate.
- The do-nothing comparison uses simplifying assumptions (a flat growth assumption, a flat return drag, a stepped-up-basis assumption, a flat heir tax percentage) and does not model inflation, present value, market returns, or sequence-of-returns risk.
- Roth conversions are taxable and generally cannot be undone; a qualified tax professional should review any real conversion.
2026 figures, held constant.