Enter your Social Security, other income and savings. You’ll see your marginal and effective tax rates, the room left in each bracket, where you stand against the Medicare surcharge line, and how much to convert each year so every year after stays in the 12% bracket, compared with converting nothing, through both lifetimes and your heirs. Everything updates as you type.
Same household, same spending, same growth. The only change is the conversions.
What if tax rates go up?
A what-if, not a forecast. Only the federal rates change: the brackets, deductions, state tax and your conversion schedule stay as they are, and the federal part of your heirs' rate rises by the same share if the higher rates are still in place at the end. Use "Higher rates" under the next chart to see every year that way.
What your family keeps, year by year
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No conversionsYour scheduleYour schedule aheadBehind
Your top tax bracket
Pick an age
Drag the gold dot, use the arrows, or click any year on the charts. "What your family keeps" is the after-tax value if everything passed to your heirs that year: Roth, plus Tax-Deferred less your heirs' tax, plus the Taxable account. Every figure is in that year's dollars, inflation included. Taxes are in parentheses. In the difference column, green is better for your family.
Year by year
Shaded rows are conversion years. Click any row to see that year in full above. "Room" is how much more could be converted before taxable income reaches the top of that bracket, after the Social Security effect. IRMAA marks income above the first Medicare surcharge tier (it raises premiums two years later).
Your report
Print this page, save your report as a PDF, or email it to yourself. Send it to Nate too, and your numbers are ready before you meet.
Want to see it inside your whole plan?
This calculator holds most things steady so you can see the shape of the decision. Your real schedule depends on which accounts you hold, the order you draw them, when you claim Social Security, how you’ll pay the tax, and who inherits. A Retirement Income Diagnostic looks at all of it together.