ClearRothPlanSelf-serve · Educational tool
How much could you move to a Roth IRA — and what would it cost?
A few short questions, one at a time. We do the math — including the temporary senior deduction (2025–2028) most calculators miss.
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.
How it works
Answer a few questions
One at a time, in plain words. No tax forms, no jargon.
See your numbers
Your tax range, your room to convert, and what it would cost — in plain sentences.
Decide with your tax pro
Take your results to your CPA or advisor before you act. Conversions can't be undone.
The part most calculators miss
For 2025–2028, people 65 and older get an extra $6,000 senior deduction. Converting to a Roth can quietly shrink it — $1 of extra income can cost you twice.
This tool shows that hidden cost up front, before you decide.
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."
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
See your whole 4-year window before it closes.
- Year-by-year amounts for 2026, 2027, and 2028 — plus what changes in 2029
- How much senior deduction each year keeps — or loses
- Warnings before you cross into a higher tax range or a Medicare IRMAA line
- Compare 3 amounts side by side, and print a plan for your CPA
- Re-run it any time through 2028, with a recorded walkthrough
You run it yourself, with your own numbers. It is educational: no one reviews your situation and no one tells you what to do.
Get the Strategy Pack — $499Checkout is handled securely by Kit. 14-day, no-questions refund — if the Strategy Pack isn't for you, email within 14 days of purchase and we'll refund the full $499.
Have a CFP® do it with you, on your actual numbers.
- Gerardo reviews your real statements — accounts, Social Security, pensions
- A specific recommendation for your household — not just numbers
- An 8–10 page written plan, plus a letter for your CPA
- A 90-minute meeting to walk through it together
- A check-in 45 days later
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.
The full year-by-year tables, the printable plan, and unlimited re-runs come with the Strategy Pack — get it above for $499.
Who built this — and why you can check
ClearRothPlan was built by Gerardo J. Castillo, CFP®, a financial advisor in Omaha, Nebraska. Gerardo is a first-generation immigrant who grew up in Hastings, Nebraska, and studied economics at the University of Nebraska at Kearney. He has been a financial advisor since 2021 (Series 7 and 66) and has also prepared hundreds of tax returns — which is exactly why he built a calculator that shows the tax cost other tools leave out.
ClearRothPlan is his educational project, separate from his advisory work: the tools here are self-serve, and using them does not make you his client.
Don't take his word for any of this. Check him out the same way you'd check anyone who talks about money:
My FINRA BrokerCheck report (CRD# 7342568) Verify my CFP® certification (CFP Board) Connect with me on LinkedIn