Free Roth conversion planning estimate
10 Questions. A Clearer Retirement Tax Picture.
See how Traditional IRA and 401(k) balances, Roth savings, Social Security timing, required minimum distributions, Medicare IRMAA, and tax diversification may fit into one planning conversation.
Your estimate uses your state, household status, ages, IRA balances, Social Security timing, income, lifestyle need, and contributions. It is educational only and not tax advice.
Who this is for
Built for retirement savers with pre-tax accounts.
If any of these sound familiar, the questionnaire can help frame planning questions worth reviewing.
This may be useful if you…
Traditional IRA, 401(k), 403(b), SEP IRA, or other pre-tax savings
Within 10–15 years of retirement or beginning to plan ahead
Unsure how Social Security, withdrawals, or RMDs may affect taxes
You only need estimates for…
Approximate retirement balances
Household income estimate
Social Security estimate
Annual contribution estimate
Roth conversion basics
What is a Roth conversion?
A Roth conversion moves money from an eligible pre-tax retirement account into a Roth account. The previously untaxed amount is generally included in gross income for the year of the conversion, while qualified Roth distributions may be tax-free under current federal rules.
That tradeoff makes the question broader than “will taxes go up?” Account basis, cash available for taxes, other income, state treatment, Medicare premiums, Social Security taxation, future withdrawals, and estate goals can all matter.
Read the plain-English guideWhy timing may matter
Today
A conversion may add taxable income in the year it occurs. The amount, source of tax payment, and other income deserve review.
Before Social Security or RMDs
Some households have lower-income years between work and later retirement income. That does not automatically make a conversion beneficial.
Medicare years
Modified adjusted gross income can affect income-related Medicare premiums, generally using a two-year lookback.
Later retirement
The future mix of pre-tax, Roth, and taxable assets can influence withdrawal flexibility, taxes, and legacy planning.
Explore by question
Start with the Roth conversion question you are trying to answer.
These pages separate the most common planning issues instead of treating every search phrase as a new article.
Personalized estimate
Let’s run your numbers.
Your estimate starts with one question — and estimates are fine.
Answer 10 quick questions to generate your preliminary Roth conversion estimate. You do not need exact statements to begin.
Question 1 of 10
Location
What state do you live in?
Your state can affect the tax assumptions used in a future detailed review.
Your quiz progress stays in this browser session. Contact details are not collected during these ten questions.
Free • 2–3 minutes • No obligation
Preliminary report
After the quiz, you’ll see a preliminary report.
This is an educational estimate, not a recommendation or tax advice.
Agent Roth Snapshot
A simple score showing whether your inputs may warrant a deeper planning conversation.
Projected account growth
An illustrative chart using a clearly labeled growth assumption on the results page.
Planning window estimate
A directional view of when conversion discussions may be worth reviewing.
Professional review topics
Questions to discuss with your CPA, advisor, or qualified financial professional.
What happens next
A simple path to preliminary results.
Your estimate is designed to start a better planning conversation — not replace professional advice.
Answer 10 quick questions
See your preliminary estimate
Choose whether to schedule a review
The Agent Roth Brief
Join our weekly newsletter.
One clear, educational email each week about Roth planning concepts, retirement-tax questions, and topics worth discussing with a qualified professional.
Educational information only. Unsubscribe anytime.
FAQ
Frequently asked questions
Clear, compliance-friendly answers before you decide whether a planning conversation may be useful.
+ Is this tax advice?
No. The estimate is educational only and should be reviewed with a qualified tax, legal, investment, or financial professional.
+ How accurate are these projections?
They are simplified estimates based on your inputs and the assumption version shown in your report. They may differ materially from a complete plan.
+ What happens after I submit my information?
You will see a preliminary results page and may choose a consultation time to discuss planning opportunities.
+ Do I need to already have a Roth IRA?
No. The questionnaire is designed to help explore whether Roth-related planning may be worth discussing.
+ Who is this best suited for?
It may be useful for households with pre-tax retirement savings who want to understand future tax planning questions.
+ Will I receive unsolicited phone calls?
A team member may follow up if you request a review. You can ask not to be contacted at any time.