Roth Conversion Calculator

Roth Conversion Calculator plans Roth conversions for people who are retired or about to retire.

A linear-programming optimizer over the US federal tax brackets chooses how much to convert from a traditional IRA or 401(k) each year. It funds living expenses from the right account, pays the tax, and maximizes after-tax wealth at the end of the plan.

MCP connector

Server URL: https://roth-conversion-calculator.kindoflost.com/mcp
Login: None
Protocol: MCP 2026-07-28
Instructions: Plans Roth conversions for someone who is retired or about to be (a traditional IRA/401(k), maybe a brokerage account and Social Security later): a real linear-programming optimizer over the US federal tax brackets chooses how much to convert to Roth EACH YEAR, funds the living expenses from the right account, pays the tax, and maximizes after-tax wealth at the end of the plan. It also reports the same plan with no conversions so you can say what converting is worth. Typical flow: to see the input shape (kind 'single' or 'married') -> fill in the user's age, balances, spending and Social Security -> -> tell the user the conversion amount for each year, the tax, the ending balances and the after-tax wealth with vs without conversions. Money is in today's dollars (the return is a REAL, after-inflation return). Advanced options, OFF by default like the web tool: IRMAA (Medicare surcharge), NIIT (3.8%) and real state brackets by state code. Limits: ages 18-90, plan horizon up to 70 years (end age up to 110), balances up to $1,000,000,000; one household, US federal tax (both spouses assumed the same age if married); no pensions with survivor options, no ACA modeling here. Results are optimal for the stated assumptions only (return, future tax rate, current law): not tax advice. Someone still working who wants contribution advice (Roth vs traditional now) should use https://roth-vs-traditional-calculator.kindoflost.com. If unsure the tool fits, call first. Free, no sign-up; web version at https://roth-conversion-calculator.kindoflost.com

Tools

Reads data3

Skills

None in the store listings or on the server

MCP connector

Server URL

https://roth-conversion-calculator.kindoflost.com/mcp

None

Protocol

MCP 2026-07-28

Instructions

Plans Roth conversions for someone who is retired or about to be (a traditional IRA/401(k), maybe a brokerage account and Social Security later): a real linear-programming optimizer over the US federal tax brackets chooses how much to convert to Roth EACH YEAR, funds the living expenses from the right account, pays the tax, and maximizes after-tax wealth at the end of the plan. It also reports the same plan with no conversions so you can say what converting is worth. Typical flow: to see the input shape (kind 'single' or 'married') -> fill in the user's age, balances, spending and Social Security -> -> tell the user the conversion amount for each year, the tax, the ending balances and the after-tax wealth with vs without conversions. Money is in today's dollars (the return is a REAL, after-inflation return). Advanced options, OFF by default like the web tool: IRMAA (Medicare surcharge), NIIT (3.8%) and real state brackets by state code. Limits: ages 18-90, plan horizon up to 70 years (end age up to 110), balances up to $1,000,000,000; one household, US federal tax (both spouses assumed the same age if married); no pensions with survivor options, no ACA modeling here. Results are optimal for the stated assumptions only (return, future tax rate, current law): not tax advice. Someone still working who wants contribution advice (Roth vs traditional now) should use https://roth-vs-traditional-calculator.kindoflost.com. If unsure the tool fits, call first. Free, no sign-up; web version at https://roth-conversion-calculator.kindoflost.com