How much could you move to a Roth IRA — and what would it cost?
Answer a few short questions — one at a time. This tool does the math for you — including the temporary senior deduction (2025–2028) that most calculators miss, and that a conversion can quietly shrink.
Please read: This is an educational estimate, federal tax only. It is not tax or financial advice, and it is not a recommendation to convert any amount. Before you act, confirm your decision with your own CPA, enrolled agent, or tax attorney, and your financial advisor.
Step 1 of 4
How do you file your taxes?
Tap the one that sounds like you.
First, about you
Are you 65 or older?
Because you are 65 or older, you may qualify for extra deductions — including the temporary senior deduction. This tool counts them for you.
Now, about your spouse
Is your spouse 65 or older?
If both of you are 65 or older, the senior deduction can be up to $12,000. This tool counts it for you.
About how much total income will you have this year, before any Roth conversion?
A good estimate is fine — you can change it later and see how the answer moves.
$
Not sure? You can find last year's income on your tax return, Form 1040, line 11 — this year's is similar for most people. Use that number if it helps.
How much do you have in pre-tax retirement accounts?
That's a traditional IRA or a 401(k) — money that hasn't been taxed yet. This question is optional: it only helps show what share of your savings you'd be converting. If you're not sure, just tap Next.
$
How much would you like to test converting?
Tap an amount, or use the big − and + buttons. Nothing happens yet — this just shows you the cost.
Amount you're testing$50,000
Your results
How much you could convert
About how much tax it would cost
Your senior deduction
Tap "See a clean copy" for a tidy one-page version of your results. From there — or from the saved copy — you can print it using your browser's menu (⋮ or Share → Print).
Want a copy of your results by email?
We'll also send a free one-page year-end Roth checklist — the key dates and steps to finish a conversion before December 31. No spam, unsubscribe anytime.
See the details
Income that gets taxed—
Federal tax, before any conversion—
Senior deduction (2025–2028 only)—
Room left in your tax range—before the next range starts
Where your deductions come from
Standard deduction (everyone gets this)
—
Extra amount for being 65 or older (does not expire)
—
Senior deduction (2025–2028 only)
—
Total deductions
—
Room to convert, by tax range
As a conversion raises your income, the senior deduction shrinks — so the true room is a little smaller than simple subtraction suggests. These numbers already account for that.
Convert up to the top of
Amount
Tax cost
Share that is tax
Your tested conversion, in detail
The senior deduction, year by year
Your senior deduction at your current income (before any conversion), by year. After 2028 it is $0 under current law.
What this tool does not include
State tax · how much of your Social Security gets taxed · capital gains · the extra Medicare tax on high investment income · the rule that mixes pre-tax and after-tax IRA money (pro-rata) · future required withdrawals (RMDs). Medicare IRMAA appears as a warning only, not a full calculation. If any of these apply to you, your real cost will differ — one more reason to confirm with your own tax professional.
Want to go further?
The snapshot above is free, always. You never pay for the calculator — the paid options add the planning around it.
"The $499 tool shows you your numbers. The $2,500 analysis is a professional standing behind a recommendation for your household."
Free Snapshot
$0
See where you stand this year — in about a minute.
Your tax range, figured out for you — no guessing
How much room you have to convert this year
Your senior deduction this year, and what a test conversion costs it
Save a copy of your results to keep or share
You're using it ↑
Conversion Strategy Pack
$499 one time
See your whole 4-year window before it closes.
Year-by-year conversion amounts for 2026, 2027, and 2028
What changes in 2029, when the senior deduction ends
How much senior deduction each year keeps — or loses
Warnings before a conversion crosses into a higher tax range, or over a Medicare IRMAA line
Compare 3 conversion amounts side by side
A printable plan you can hand to your CPA or tax preparer
Re-run it any time through 2028 as your income changes
A recorded walkthrough that shows you how to read your own scenarios
Why it matters — one example (not a promise): a Roth conversion cannot be undone. In the worked example on this page, a $50,000 conversion quietly erased $2,400 of senior deduction. Losing a couple's full $12,000 deduction in the 22% tax range means $2,640 in extra tax. And going over a Medicare IRMAA line by even $1 can raise your premiums for a full year. The pack exists so you can see those lines before you cross them.
You run it yourself, with your own numbers. It is educational: no one reviews your situation and no one tells you what to do.
The Strategy Pack is in final review and is not yet available for purchase. No checkout is active on this page. The preview below shows exactly what it will contain.
Decision Analysis — with Gerardo
$2,500 flat fee
Have a CFP® do it with you, on your actual numbers.
Gerardo personally reviews your real statements — retirement accounts, Social Security, pensions, and required distributions
A specific recommendation for your household — not just numbers
An 8–10 page written plan you can keep and share
Which account to convert from, and where to pay the tax from
A letter for your CPA explaining the plan
A 90-minute meeting to walk through it together
A check-in 45 days later to make sure it's on track
Good to know: if you buy the $499 Strategy Pack and then upgrade within 30 days, the full $499 is credited toward this $2,500 fee.
This is personal financial planning through LPL — separate from the self-serve tool above. Ask Gerardo about it at your next meeting or webinar.
A peek inside the Strategy Pack
This preview uses the numbers you entered above. In the full pack, every year and every tax range is open, printable, and yours to re-run.
Year
Senior deduction*
Convert up to 22% range
Convert up to 24% range
Note
* At your income before any conversion, assuming 65+ eligibility carries forward. Your scenario's numbers, for education only.
Year-by-year tax cost at each amount
$—
$—
In the pack
Total converted by the end of 2028
$—
$—
In the pack
Deduction kept vs. waiting until 2029
$—
$—
In the pack
The full year-by-year tables, the printable plan, and unlimited re-runs come with the Strategy Pack — not yet available for purchase (see above).