Is this only for retirees already taking RMDs?

No. It can also model pre-RMD conversion windows, where ordinary brackets, ACA exposure, and future RMD pressure may interact.

Roth Conversion Planner

Roth Conversion Planner With IRMAA and Tax-Cliff Context

Compare Roth conversion schedules with ordinary brackets, IRMAA, ACA, LTCG, NIIT, RMD, and 5-year-clock constraints visible.

Roth conversion planning is rarely just a bracket-filling exercise. Medicare premiums, ACA cliffs, capital gains, required distributions, and cash-flow timing can all change the modeled tradeoff.

This page describes ArthaPilot's deterministic Roth Conversion Planner and how it fits with household tax context and retirement planning workflows.

Open pre-RMD example Read Roth Conversion Docs

Start with one question

See the workflow before opening the tool

Tax-cliff conversion window

How much could be converted before IRMAA, ACA, or bracket thresholds bind?

Output previewYear-by-year conversions | estimated tax | threshold warnings

Open pre-RMD example →

Retirement cash-flow follow-through

How does the conversion schedule change withdrawals and later RMD pressure?

Output previewBaseline vs conversion path | RMD timing | terminal balance context

Open Retirement Planner →

What the planner compares

A baseline path against a proposed multi-year conversion schedule.
Ordinary bracket caps alongside IRMAA, ACA, LTCG, NIIT, and RMD constraints.
Tax and wealth effects across the modeled projection window.

Why simple rules can miss

A conversion that looks efficient against ordinary brackets can still create side effects through MAGI-sensitive thresholds, capital-gain interactions, Medicare lookback windows, or future RMD exposure.

Inputs to review carefully

Filing status, ordinary income, Social Security, and state tax assumptions.
Account balances by tax treatment and conversion cash source.
Constraint settings for brackets, IRMAA, ACA, LTCG, NIIT, and 5-year clocks.

Interpretation boundary

The planner is a deterministic modeling aid. It does not decide whether a conversion is appropriate, and it does not replace professional tax or financial advice.

FAQ

Is this only for retirees already taking RMDs?: No. It can also model pre-RMD conversion windows, where ordinary brackets, ACA exposure, and future RMD pressure may interact.

IRMAA and ACA Roth conversions

Focused workflow page for Medicare IRMAA and ACA MAGI constraints.

Roth Conversion Docs

Workflow details and modeling assumptions.

Retirement Planner

Retirement income and tax-aware cash-flow modeling.

Pre-Tax vs Roth

Contribution-side Roth versus pre-tax comparison.