RMD & Roth Conversion Planner

Project your Required Minimum Distributions through age 100 and model Roth conversion strategies with tax bracket and IRMAA threshold analysis.

Built by an 8-year retirement specialist from Charles Schwab and TD Ameritrade. Calculations use IRS Publication 590-B tables and current federal tax brackets.

Your Path

Your Details

Your Report

Choose Your Path

Select the option that best describes your situation.

I'm not RMD age yet

See what's coming and how Roth conversions could change the picture.

I'm already taking RMDs

Project the next 10 years and explore conversion strategies.

Please select a path to continue.

Your Information

Date of birth

Please enter your date of birth.

Filing status

Please select your filing status.

Traditional IRA / 401(k) balance

Enter the December 31 balance for each Traditional, SEP, and SIMPLE IRA you own. If you have a 401(k) or 403(b), you can include those balances here. (Note: If you're still working at age 73+, only include the portion you'll be taking RMDs from.)

Please enter at least one IRA balance greater than $0.

Is your spouse your sole beneficiary and more than 10 years younger than you?

If yes, a larger Joint Life Expectancy factor is used, which reduces your annual RMD.

Yes

Please answer the spouse beneficiary question.

Spouse date of birth

Please enter your spouse's date of birth.

Your RMD Snapshot

Here's a preview of your projection. Unlock the full report for the complete year-by-year analysis, conversion modeling, and IRMAA impact.

First RMD —

Due date —

Current tax bracket —

IRMAA status —

📊

Unlock Your Full Report

Based on your entries:

Planning path—

Current age—

Total IRA balance—

Filing status—

A preview of what you'll receive:

Sample report — your inputs and strategy

Sample report — 47-year tax comparison summary

Sample report — key callouts and planning notes

9-page PDF report. Yours will be personalized to the inputs you entered above.

Your full report includes:

✓ Year-by-year RMD projection through age 100
✓ Roth conversion ladder with side-by-side tax comparison
✓ IRMAA threshold analysis — see exactly where surcharges start
✓ Federal tax impact each year with and without conversions
✓ Tax bracket headroom and optimal conversion amounts
✓ Retirement income breakdown (Social Security, pension, RMDs)
✓ QCD strategy analysis
✓ Downloadable PDF report

Unlock Your Report — $149

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Education only — not individualized tax, financial, or legal advice.