LEVEL 500 · TOP OF CLIMB

Roth Conversion Window Calculator

Estimate how much tax-deferred money can move through a chosen bracket before required withdrawals begin.

Current ageRMD starting ageYears in the conversion windowCurrent tax-deferred balanceExpected annual returnTaxable income before conversionChosen tax-bracket ceilingAssumed marginal conversion rateAnnual outside cash available for tax

Rules checked in 2026. Simplified educational model. Conversions are generally taxable and cannot be undone. It excludes deductions, state tax, Medicare IRMAA, ACA subsidies, Social Security taxation, basis, market volatility, QCDs, and future law changes. Required minimum distributions themselves cannot be converted.

MODELED RESULT—

← All calculators

OPTIONAL NEXT TESTS

Pressure-test the assumptions before acting on this result.

RELATED TEST

Project the RMD collision

See how the remaining tax-deferred balance meets other income.

OPEN →02

Inspect tax diversification

Build withdrawal flexibility across account types.

OPEN →