Run your numbers. Then let’s talk about them.
Two quick tools to explore the questions we hear most — will my money last, and does a Roth conversion make sense? Nothing you enter here is saved or sent anywhere.
Will your money last?
Estimate what your savings could grow to — and how long it could support the retirement income you want.
Projected balance by age. The gold line marks your retirement age. Income need grows with inflation; returns are hypothetical and compounded monthly.
Does a Roth conversion make sense?
Converting traditional IRA dollars to a Roth means paying tax now in exchange for tax-free growth later. Whether that trade works usually comes down to your tax rate today versus your tax rate in retirement.
Estimated after-tax value of these dollars when withdrawn. "Stay traditional" includes the outside savings you didn't spend on the conversion tax, kept invested in a taxable account.
What a calculator can’t decide for you
The math is the easy part. These are the details that change the answer — and where a conversation with an advisor earns its keep.
Why people convert
Tax-free growth and withdrawals, no lifetime required minimum distributions, and a tax-free asset to leave to heirs. Converting in lower-income years — after retiring but before Social Security and RMDs begin — is often the sweet spot.
Timing the brackets
A conversion is added to your taxable income for the year, so large conversions can push you into a higher bracket. Many families convert in slices over several years, filling up a target bracket without spilling into the next one.
The watch-outs
Each conversion has its own five-year clock. Extra income can raise Medicare premiums (IRMAA) two years later. If you hold both pre-tax and after-tax IRA dollars, the pro-rata rule applies. Paying the tax from outside savings usually works out better.
Want to run your real numbers?
These tools use simplified assumptions. We’ll model your actual accounts, brackets, and timeline — and give you a straight answer.
Talk to an Advisor