A sample, not your personal plan
A Roth conversion changes more than this year’s tax bill.
Compare the same single, 62-year-old household with no conversions and with $30,000 converted each year from ages 63 through 70. Both retire at 63, spend $72,000 a year in base-year dollars, and claim Social Security at 67. Only the conversion schedule changes.
No conversions
$30,000/year converted
Calculating both sample plans…
Amounts shown are nominal dollars in each future year, not today’s purchasing power. Remaining assets are not after-tax spending money. This is a fixed-return projection, not a Monte Carlo probability or a recommendation to convert. Higher taxes now do not guarantee lower total costs later, and a surcharge can stay unchanged.
Baseline assumptions below. The comparison changes only the conversion schedule described above.
Assumptions fixed in this demo
- Current age
- 62
- Filing status
- Single
- Annual wages
- $95,000
- Employee 401(k)
- $12,000/yr
- Employer match
- $4,000/yr
- Social Security benefit
- $34,000/yr
- Social Security claim age
- 67
- Roth conversion
- $0/yr
- Invested allocation
- $1,200,000 Traditional · $45,000 Roth · $110,000 taxable
- Cash
- $25,000
- Investment return
- 5.5%
- Inflation
- 2.5%
- Plan ends at
- age 92
The full planner lets you edit every one of these with your own numbers.
Your account mix, benefit timing, healthcare costs, and spending can change the tradeoff. The paid planner lets you compare your own scenarios; this example uses none of your calculator inputs.
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Build your personal snapshot before you pay.
We’ll guide you through your household, income, accounts, saving, and retirement goal. Your answers stay in this browser until you choose to purchase.
This is an educational estimate, not tax or financial advice. Figures reflect the law year shown and the inputs you provide. Consult a qualified professional before acting.
Model methodology and limitations