Sample data
This is an example household so you can see the tool working.
Roth Conversion Schedule
| Age | Conversion | Federal Bracket | Federal | State | ACA/IRMAA | Tax Cost | |
|---|---|---|---|---|---|---|---|
| 60 | $34K $34K | 10% | $240 | $0 | +$14K | $240 | |
| 61 | $33K $33K | 10% | $150 | $0 | +$15K | $150 | |
| 62 | $8K $8K | 10% | $0 | $0 | +$20K | $0 | |
| 63 | $23K $23K | 10% | $0 | $0 | +$20K | $0 | |
| 64 | $23K $23K | 10% | $0 | $0 | +$22K | $0 | |
| 65 | $12K $12K | 10% | $0 | $0 | +$12K | $0 | |
| 66 | $13K $13K | 10% | $0 | $0 | +$8K | $0 | |
| 67 | $66K $66K | 12% | $5K | $0 | — | $5K | |
| 68 | $65K $65K | 12% | $7K | $0 | — | $7K | |
| 69 | $64K $64K | 12% | $7K | $0 | — | $7K | |
| 70 | $47K $47K | 12% | $5K | $0 | — | $5K | |
| 71 | $46K $46K | 12% | $5K | $0 | — | $5K | |
| 72 | $15K $15K | 12% | $2K | $0 | — | $2K | |
| 73 | $16K $16K | 12% | $2K | $0 | — | $2K | |
| 74 | $16K $16K | 12% | $2K | $0 | — | $2K | |
| Total | $481K $481K | $36K | $0 | +$110K | $36K |
Your Strategy
Filling to 12% bracket, fine-tuned for tax savings
Tax Tradeoff (Present Value)
Saves ~$146K
in lifetime taxes
RMD Reduction
$47K/yr
less forced withdrawals at 96
Tax Cost
$36K
marginal tax on conversions
After-Tax Estate
+$242K
net to heirs, at age 95 (spouse)
Balance Projection
Roth conversions shift money from tax-deferred (blue) to Roth (teal). RMDs begin at age 75.
Tax Guardrails
IRMAA Avoided
This plan keeps you below Medicare surcharge thresholds.
ACA Subsidies
You receive $110K in health insurance subsidies during pre-Medicare years.
RMD Start: Age 75
Conversions reduce the balance subject to Required Minimum Distributions.
Insights
Your plan preserves $110K in ACA subsidies during pre-Medicare years.