Retirement Account Conversion Planner
Strategically convert pre-tax/deferred-tax retirement accounts to post-tax/tax-free accounts to minimize lifetime taxes. Model required distribution impacts, tax bracket management, and legacy planning.
What you can do:
• Calculate optimal conversion amounts by tax bracket
• Project required distributions and their tax impact over time
• Compare lifetime tax: convert now vs. pay later
• Model government pension taxation and healthcare surcharges
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Retirement Account Conversion Planner
Plan strategic conversions from pre-tax to post-tax retirement accounts to fill lower tax brackets, reduce future required distributions, and minimize lifetime tax burden. Compare scenarios side by side.
1. Personal Information
2. Account Balances
3. Retirement Income Sources
4. Tax Assumptions (Adjust for Your Jurisdiction)
5. Conversion Strategy
Age when mandatory withdrawals begin from pre-tax accounts. Varies by country (e.g., 73 US, 75 UK, 71 Canada).
Lifetime Tax Analysis
No Conversion Strategy
With Conversion Strategy
Year-by-Year Conversion & Tax Schedule
Detailed breakdown showing conversions, required distributions, taxable income, and tax liability each year.
| Age | Pre-Tax Account | Tax-Free Account | Conversion | Required Dist. | Taxable Income | Federal/National Tax | Total Tax | Marginal Rate |
|---|
Strategy Comparison Summary
| Metric | No Conversion | With Strategy | Difference |
|---|