Rothlytics shows you the exact dollar amountto convert each year — without crossing into a higher bracket, triggering IRMAA, or missing the window before tax rates reset.
One-time payment · No subscription · Access through Dec 31, 2026
Traditional IRA
$842,000
Ordinary Income
$95,000
Filing Status
MFJ
Fills your 22% bracket without triggering 24%
Est. tax on conversion
$20,691
17% less vs waiting
IRMAA exposure
$0
Below threshold
Features
Purpose-built for self-directed investors who want precision — not guesswork.
Find the exact dollar amount to convert to fill your current tax bracket — without pushing a single dollar into the next one. Run unlimited scenarios instantly.
Model required minimum distributions across traditional IRAs, inherited IRAs (10-year rule & lifetime), and 401(k)s. Stay ahead of penalties and plan around forced income.
See your marginal rate, IRMAA thresholds, and net investment income tax exposure in real time. Know your exact conversion ceiling before you cross it.
Save and name multiple conversion scenarios. Come back as your income changes, the market moves, or tax law shifts — your work is always waiting for you.
Updated for the latest RMD age changes, inherited IRA rules, and Roth 401(k) distributions. No outdated calculators — Rothlytics stays current so you don't have to.
Manage unlimited client scenarios from one portal. Export conversion summaries, compare strategies side-by-side, and build a repeatable workflow for your entire book.
How it works
No complex setup. Just enter your numbers and go.
Add your IRA/401(k) balances, expected ordinary income, filing status, and state of residence. Takes about two minutes.
The optimizer instantly shows how much room you have in your bracket. Slide the amount and watch your tax liability update in real time.
Save your scenarios, compare strategies, and return whenever your income or account balances change. Your 2026 plan is always up to date.
Pricing
Pay once. Access all features through the end of the 2026 tax year.
Advisor
For professionalsUnlimited client scenarios for the full tax year
Get Advisor access ›Secure checkout via Stripe · No recurring charges · Questions? Email us.
Tax rates are historically low before the TCJA sunset window. Every month you wait is a month you can't get back.
Start your 2026 plan