ClearRothPlanThinking about a Roth conversion? Watch this first — it takes a minute.
Gerardo explains the one cost most calculators skip. When the video ends, the free tool opens right up.
Educational only — not tax or financial advice.
ClearRothPlanGerardo explains the one cost most calculators skip. When the video ends, the free tool opens right up.
Educational only — not tax or financial advice.
ClearRothPlanSelf-serve · Educational tool
A few short questions, one at a time. We do the math — including the temporary senior deduction (2025–2028) most calculators miss.
Tap the one that sounds like 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.
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.
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.
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.
Tap an amount, or use the big − and + buttons. Nothing happens yet — this just shows you the cost.
One at a time, in plain words. No tax forms, no jargon.
Your tax range, your room to convert, and what it would cost — in plain sentences.
Take your results to your CPA or advisor before you act. Conversions can't be undone.
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.
The snapshot above is free, always. You never pay for the calculator — the paid options add the planning around it.
See where you stand this year — in about a minute.
See your whole 4-year window before it closes.
Checkout 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.
Good to know: upgrade from the Strategy Pack within 30 days and the full $499 counts toward this fee. This is personal planning through LPL, separate from the tool above.
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.
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