Tax Planning Tool
Should You Convert to a Roth IRA?
Answer a few questions. See the math. Understand what a Roth conversion could mean for your situation.
Your Profile
Your Accounts
Your Results
Tell us about your situation Five questions. That's all we need to run the numbers.
Please enter your age (18–90).
Please enter your birth year.
Married Filing Jointly
Single
Married Filing Separately
Head of Household
Please select your filing status.
Please enter your household income.
Please select your state.
Your retirement accounts Three more questions and we'll have everything we need.
Please enter your pre-tax balance.
Please enter years until retirement.
Income ranges are based on your filing status. Not sure? The 22% bracket covers most retirees — you can refine this once you see your results.
Yes — I can pay from savings or a taxable account
No — taxes would come out of the converted amount itself
Please select an option.
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Your analysis is ready.
Enter your contact information to see your personalized Roth conversion scenarios.
Please enter your name.
Please enter a valid email address.
Please enter a valid 10-digit phone number.
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Your Roth Conversion Fit Score
Analyzing your inputs...
Key Numbers at a Glance Dollar figures shown in today's purchasing power unless otherwise noted.
Adjust Assumptions — Results Update Instantly
$0
0 yrs
6%
22%
0%
What Conversion Actually Costs The full picture — federal tax, state tax, and any Medicare or Social Security impact.
Medicare Premium Impact Converting raises your income, and your income determines your Medicare premium. Here is how that plays out.
Important Disclosure:
This tool is provided for educational and informational purposes only and does not constitute personalized tax, legal, or investment advice. Roth conversion decisions involve complex tax considerations that vary based on individual circumstances. The projections shown are illustrative estimates based on the inputs provided and assumed rates of return. Actual results will vary. Consult a qualified tax advisor and financial planner before making any conversion decisions. Masonboro Advisors is a SEC-registered investment advisory firm (CRD #145151). Registration does not imply a certain level of skill or training.
