RMD & Roth Conversion Planner
Project your Required Minimum Distributions over the next 10 years and model how a Roth conversion ladder could reduce your lifetime federal tax bill.
Select the option that best describes your situation.
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.)
If yes, a larger Joint Life Expectancy factor is used, which reduces your annual RMD.
Wages, self-employment, and other taxable income. Do not include Social Security or pension here.
What do you expect your annual income to be after you stop working? Used for ages after you stop contributing (or age 65 if not specified). Leave blank to default to 70% of current income.
Your estimated annual benefit from ssa.gov (monthly × 12). Enter $0 if you don't expect Social Security.
Your RMD & Roth conversion plan is ready to generate
Based on your entries:
Your full report includes:
- ✓ 10-year RMD projection using IRS Uniform Lifetime Table (or Joint Life Table if applicable)
- ✓ Year-by-year account balance, life expectancy factor, and RMD amount
- ✓ Roth conversion ladder analysis with side-by-side tax comparison
- ✓ Federal tax impact each year — with and without conversions
- ✓ Tax bracket position and headroom visualization
- ✓ Net tax savings and breakeven year
- ✓ QCD eligibility notes
- ✓ Your projected Roth balance (tax-free)
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Education only — not individualized tax, financial, or legal advice.