Roth IRA Conversion Calculator

This Roth IRA Conversion Calculator helps financial advisors determine if their clients should pre-pay the income taxes on their qualified retirement plan assets to avoid income taxes — including all future growth — on this money indefinately.

Many clients may not fully utilize lower tax brackets for Roth IRA conversions, potentially missing significant tax savings. Our training video demonstrates how structured annual Roth conversions can result in substantial long-term tax savings. For instance, converting $25,000 annually at a 12% tax rate from age 60 to 68 could save $200,000 in taxes over 27 years. This strategy also ensures tax-free inheritance of Roth assets for beneficiaries. Refer to our sample report for more details.

Click this link to create your own Roth IRA Conversion Input Form in Microsoft Word format.

• More Accurate: Simulates your client's tax situation, applying formulas to salary, Social Security income, retirement income, and deductions, rather than just using a tax bracket. It also accurately computes the phased-in taxes on Social Security benefits.
• Save Your Client Thousands: Assess whether paying higher taxes now could result in substantial savings later. Each client's situation is unique, and Roth conversion may not be suitable for everyone.
• Simple: Generates a detailed, visually appealing, and easy-to-understand report that details the costs and benefits of converting traditional retirement assets to a Roth IRA.

Explore pricing options via the "Order" link at the top-right of this page. We offer a 30-day money-back guarantee. Includes free phone and Zoom meeting support after purchase. Questions? Click the turquoise button at the bottom right.