Roth conversion planner

Convert into exactly the room you have โ€” not a dollar more.

A year-by-year Roth conversion calculator that fills your tax bracket and stops the instant it would trip an IRMAA surcharge. One file, runs in your browser, yours forever.

Buy for $15 โ†’ One-time. No account. No subscription.
Single HTML file Works offline Your numbers never leave your browser
Example โ€” Year 3 of the ladder
$41,600 converted IRMAA tier 1 10% 12% 22% 24%
Existing income This year's conversion IRMAA line

Everything a DIY-retiree spreadsheet does, minus the DIY

01

Bracket + IRMAA, together

Most calculators handle one or the other. This one converts the smaller of the two rooms available, every single year, automatically.

02

Compare two strategies

Fill to 22% vs. fill to 24% ignoring IRMAA โ€” run both side by side on the same chart before you decide anything.

03

Current-year figures

Built on tax-year-2026 IRS brackets and 2026 IRMAA projections, with the targets editable right from the dropdowns.

C

I spent 17 years inside financial-services compliance โ€” Schwab, MyComplianceOffice, a run of RIA consulting โ€” watching advisors charge real money for math that's genuinely this mechanical. Bracket Ladder is the tool I kept seeing people rebuild badly in a spreadsheet, built properly once.

Craig Neal ยท Compliance Admins LLC

Before you buy

Is this tax advice?

No. It's a calculator against your own numbers and current-year brackets. Bring the output to your CPA or advisor โ€” it's built to make that conversation faster, not to replace it.

What do I actually get?

One HTML file. Download it, open it in any browser, use it forever โ€” no login, no renewal, no data sent anywhere.

Does it handle state tax or Social Security taxability?

Not in v1 โ€” federal brackets and IRMAA only, with "other income" as a single input you set yourself. If that's a dealbreaker, this isn't ready for you yet.