Lifetime Roth planning for advisors

See the Roth conversion decision across a lifetime.

Model taxes, income, IRMAA thresholds, estate value, and inherited IRA outcomes in one Roth conversion calculator.

Email and Google options. Verified access is required before the workspace opens.

Object 01 Protected advisor workspace

01 / The decision

A conversion is more than this year's tax bill

One mistake can change taxes, Medicare costs, retirement income, estate value, and what beneficiaries keep.

Simple calculators stop at the conversion tax. Roth Tax Calculator follows the modeled effects through the household and into the next generation.

Create a verified account

02 / Planning catalog

The questions around the conversion

One case.
More of the story.

Each view uses the same scenario, so advisors can move from today's conversion to the lifetime and legacy effects without rebuilding the case.

Instrument 01

Tax Comparison

Compare modeled conversion taxes, future withdrawals, cumulative tax, and after-tax outcomes.

Instrument 02

IRMAA Cliff

See modeled IRMAA thresholds, room before the next tier, and the combined marginal cost of added income.

Instrument 03

Income Strategy

Illustrate Social Security taxation, bracket interactions, longevity assumptions, and retirement income effects.

Instrument 04

Legacy Planning

Project estate value, beneficiary taxation, and inherited IRA distributions under the modeled assumptions.

Additional planning instruments

Roth ledger · Widow filing changes · Life expectancy · State tax · Capital gains · ACA credits · NIIT · Indexed annuity comparison

03 / The complete view

The Planning Lens

Selling with Stories.Numbers don't sell.Stories Sell.

Tax risk planning story showing historical rates and the two shares of a tax-deferred account — Tax Risk

IRMAA cliff analysis showing Medicare thresholds and cumulative tax and IRMAA cost — IRMAA Cliff

Social Security taxation analysis showing taxable benefits before and after a Roth conversion — Social Security Tax

Market risk planning story showing conversion-window timing risk — Market Risk

Longevity risk planning story showing survival probabilities across planning ages — Longevity Risk

The model connects the questions. The advisor still controls the assumptions and the conversation.

04 / Client-ready narrative

From analysis to conversation

Show the work without showing a spreadsheet.

Turn the modeled scenario into a structured report with charts, ledgers, threshold details, assumptions, and educational disclosures.

PDF report page showing an estate value comparison — Estate value comparison

PDF report page showing an inherited IRA projection and beneficiary inheritance comparison — Inherited IRA projection

PDF report page showing IRMAA thresholds crossed by the selected income — IRMAA threshold detail

05 / Present your way

One scenario. Two client experiences.

Present live

Adjust assumptions and explore the modeled effects with the client in the interactive workspace.

Share the report

Export the same modeled scenario into a polished PDF for review, follow-up, and documentation.

06 / Features

Technical Specifications

The technical depth behind every client story.

Planning stories, calculation layers, teaching modules, reports, ledgers, and advisor workflow all share one scenario engine.

Tax ComparisonCompare projected lifetime taxes and tax-related costs.
Income StrategyModel after-tax retirement income and its durability.
Estate TransferCompare what may reach the household and heirs after modeled taxes.
Inherited IRA OutlookIllustrate beneficiary taxes and a multi-year inherited payout.

IRA vs. Roth projectionAnnual two-path modeling through the selected horizon.
Conversion schedulesOne to ten years, automatic level solve, or a custom override.
Returns and feesSeparate assumptions for the Roth and traditional IRA paths.
Tax fundingWithhold from conversion or use outside assets in Advanced mode.
Income Solve and RMD OnlyChoose a level withdrawal target or required distributions.
Roth income and GLWBModel income, inflation, and scheduled income beyond depletion.
Household longevitySeparate death ages, survivor horizon, and milestone presets.
Widow(er) transitionSingle-filer treatment and spouse-owned IRA timing after first death.
Outside assets and legacyTrack basis, tax drag, income, estate treatment, and inherited value.

Federal estimatorProgressive before-and-after calculation using embedded 2026 brackets.
State estimatorBracket-based estimates using embedded 2025 state baselines.
Deduction controlsStandard or itemized, plus age, blind, and modeled senior adjustments.
Decision metricsMarginal rate, blended rate, bracket headroom, and added tax.
Phase-aware taxationSeparate conversion, retirement, and beneficiary assumptions.
RMD engineBirth-year start age and Uniform Lifetime factors through age 120.
IRMAA engineTwo-year MAGI lookback, survivor filing status, and Part B and D surcharges.
Taxable-asset calculationBasis, tax drag, gain tax, withdrawals, and separate path balances.
Beneficiary taxationFlat or detailed per-beneficiary federal and state estimates.

Tax HistoryHistorical rates, brackets, and marginal versus blended tax.
Market RiskStress-test conversion timing near an illustrated market decline.
Longevity RiskSSA-based survival probabilities and household milestones.
IRMAA Cliff MapMap tax and Medicare threshold costs across projected MAGI.
Social Security TaxationEstimate how added income may make more benefits taxable.
Capital Gains StackingShow how ordinary income can consume lower gains brackets.
NIIT ExposureIllustrate added MAGI and potential 3.8% surtax exposure.
ACA Premium CreditEstimate the pre-Medicare premium-credit interaction.

Core Guided ReportBranded PDF with a consistent narrative order.
Tax Comparison ReportSnapshot, chart, assumptions, and annual results.
Income Comparison ReportAfter-tax income and broader household-income comparison.
Estate Value ComparisonNet estate values and modeled transfer assumptions.
Inherited IRA OutlookBeneficiary snapshot, chart, and inherited schedule.
IRMAA Cliff ModuleCompleted standalone or optional PDF module.
Social Security ModuleCompleted standalone or optional PDF module.
Capital Gains ModuleCompleted standalone or optional PDF module.
Roth Conversion LedgerConversion, tax, IRMAA, values, and advantage by year.
IRA Account LedgerDistributions, tax, IRMAA, balance, and after-tax value.
Income Comparison LedgerQualified and outside-asset income and tax detail.
Estate Value LedgerRoth, IRA, outside assets, and estate advantage.
Inherited IRA LedgerDistributions, taxes, reinvestment, balances, and advantage.

Basic and Advanced modesStart clean, then reveal deeper household and tax controls.
Linked navigationMove directly from plan inputs to the matching assumption block.
Embedded considerationsExplore teaching modules without leaving the case.
Live recalculationResults, charts, ledgers, and preview share the same scenario.
Adaptive chartsScaled axes and age-by-age hover details.
Audit-friendly assumptionsExpandable scenario inputs travel with the client output.
Modular PDF builderCreate a core report or selected completed modules.
Verified account accessEmail/password or Google authentication in the development preview.
Private saved casesSave, load, rename, duplicate, and delete owner-scoped cases in preview.

Authentication and saved cases remain in the Firebase development preview until the production migration is approved. NIIT and ACA are interactive; dedicated PDF formats remain in progress.

Bring the complete decision into focus

Build the case.
Show the lifetime story.

Educational planning estimates only. Not tax, legal, or investment advice.

See the Roth conversion decision across a lifetime.

One mistake can change taxes, Medicare costs, retirement income, estate value, and what beneficiaries keep.