Step 1
You and your accounts today
A few numbers to seed the simulation. The defaults reflect a typical Southern California household — change them to yours.
SSA average: 87 male / 90 female at age 65. Plan past average to be safe.
If $0, taxes will be paid from the IRA itself (less efficient).
Step 2
Your income picture through retirement
All amounts in today's dollars. The simulator inflates them automatically each year.
After this age, only Social Security + RMDs + portfolio.
Annual benefit at your full retirement age (~67).
Step 3
Your conversion strategy
The optimizer compares doing nothing against a multi-year conversion ladder using your chosen ceiling.
Default: stop before RMDs begin (age 73 if born 1951–1959, age 75 if born 1960+).
Traditional IRA passed at death is taxed at the heir's bracket on withdrawal. Roth is tax-free.
Want this walked through with you?
This tool runs the math. Hans walks through how the publicly available IRS bracket, RMD, and Medicare IRMAA rules apply to your specific numbers. Pure math education, not financial advice. No products sold.
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