Tax Planning Calculators
Model Roth IRAs, Roth conversions, and Traditional vs Roth tradeoffs with tax-planning calculators.
Featured calculators
All calculators in this category
How these tools differ
Start with the tool that matches your immediate question, then open a second calculator to pressure test the result from another angle.
Roth IRA Calculator
Project tax-free Roth IRA growth from annual contributions and compound returns.
Traditional vs Roth Calculator
Compare the projected after-tax value of Traditional and Roth IRA-style contributions.
Roth Conversion Calculator
Estimate the long-term tradeoff of paying tax now for future tax-free withdrawals.
Roth Conversion Ladder Planner
Map annual Roth conversions, five-year access timing, and ACA-aware bridge spending in one plan.
Related guides
Roth vs Traditional IRA
Compare when paying tax now may beat a deduction today and when the opposite can be true.
Why read this
Roth versus Traditional is usually a tax-rate question first and an account-type question second.
How Roth conversions work
Learn when Roth conversions may make sense and what tradeoffs to model.
Why read this
A Roth conversion is a strategic decision to pay tax now in exchange for future tax-free growth and withdrawals.
Roth conversion ladder explained
Understand how staggered Roth conversions can create early-retirement access over time.
Why read this
A Roth conversion ladder is less about one perfect conversion and more about building a sequence of future-access dollars year by year.
ACA MAGI for early retirement
See why healthcare subsidy planning depends on income recognition, not just spending.
Why read this
Early-retirement healthcare planning gets tricky because the number you spend and the income you recognize are not the same thing.
RMD basics
A simple introduction to required minimum distributions and why they matter.
Why read this
Required minimum distributions matter because they can reshape retirement taxes whether you need the cash or not.
FAQ
Can a calculator tell me whether Roth is always better?
No. Roth versus Traditional depends on current and future tax rates, flexibility goals, and what other account types you already have.
Why model Roth conversions separately?
Conversions have a near-term tax cost and a long-term tax benefit. Seeing that tradeoff clearly helps you decide whether the timing is attractive.
What does the ladder planner add?
It layers annual conversions, simplified ACA MAGI guardrails, and bridge-funding logic into one multi-year view instead of treating a conversion as a one-year event.