What Could Doing Nothing Cost You?
Compare a multi-year Roth conversion plan against a no-conversion baseline, and see the projected impact on lifetime taxes, RMDs, IRMAA, and your heirs.
Most Roth Conversion Decisions Get Made One Year at a Time
But RMDs, IRMAA surcharges, Social Security taxation, the survivor tax jump, inherited IRA rules, and taxable-account income all play out over decades, not one tax return. A conversion that looks fine this year can look very different once those forces compound.
See the Whole Horizon, Not Just This Year
RetireSmartIRA models your annual conversions across your full retirement horizon and compares that plan against doing nothing. You see the projected impact on lifetime taxes, account balances, future RMDs, and what's left for your heirs, side by side.
Multi-year Roth conversion ladder
A suggested amount for every year, not just this one.
No-conversion baseline comparison
See your plan against doing nothing, side by side.
Lifetime tax impact
A projected total across the plan, not a single-year estimate.
RMD reduction
See how conversions lower your largest forced distribution.
Ending account balances
Traditional, Roth, and taxable balances, projected side by side.
IRMAA threshold awareness
Stay aware of Medicare surcharge cliffs across the plan.
Heir-tax impact
Model what an inherited IRA may cost your heirs.
Adjustable yearly conversions
Override any year and see the plan recalculate.
CPA-ready export
Hand a full briefing to your tax professional.
Nothing Hidden, Nothing Locked In
Every year in the plan is adjustable. Every assumption behind the charts (growth rate, inflation, horizon) is visible and editable. Export a CPA-ready briefing whenever you want a second set of eyes.
What This Is, and Isn't
This tool models projected outcomes under the assumptions you enter. It estimates; it doesn't guarantee. It's not tax or financial advice, and your results will change if your income, tax law, or life circumstances change. Use it to compare scenarios and bring questions to your CPA or advisor, not as a substitute for one.
Build Your Multi-Year Plan
Free to download. Available for iPhone, iPad, and Mac.
