Roth Conversion Ladder

Plan your Traditional-to-Roth IRA conversions. See tax costs year by year and compare to keeping funds in Traditional.

Your Inputs

Current Age

Traditional IRA Balance ($)

Current Roth IRA Balance ($)

Annual Income ($)

Filing Status

Years to Convert

Annual Conversion Cap ($)

Total Converted

$500,000

Total Tax Cost

$120,000

Roth at Retirement

$3,256,460

vs No Conversion

+$1,194,036

Y1Convert $50,000Tax $12,000$450,000 left

Y2Convert $50,000Tax $12,000$400,000 left

Y3Convert $50,000Tax $12,000$350,000 left

Y4Convert $50,000Tax $12,000$300,000 left

Y5Convert $50,000Tax $12,000$250,000 left

Y6Convert $50,000Tax $12,000$200,000 left

Y7Convert $50,000Tax $12,000$150,000 left

Y8Convert $50,000Tax $12,000$100,000 left

Y9Convert $50,000Tax $12,000$50,000 left

Y10Convert $50,000Tax $12,000$0 left

Converting to Roth in your current bracket is projected to save on lifetime taxes.

Alistair can analyze your situation in depth, remember your numbers, and give you a customized plan.

What Alistair will see:

Roth Conversion: $500,000 Traditional IRA, converting over 10 years.

Alistair gives you everything a traditional advisor does — plus tax strategy, estate planning, and 24/7 access — for a flat subscription.

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