A Roth conversion optimizer tests how much to move from a traditional IRA or 401(k) into a Roth, and in which years.
PortfolioPilot tests schedules that each fill your income up to the top of one tax bracket over a window of years, reruns your plan for each, and shows the best schedule it tested. It never picks one that lowers your chance of success. Part of Platinum.
An illustrative result for a hypothetical plan. Tap a schedule to see its projection.
Illustrative Roth conversion optimizer result for a hypothetical plan: four conversion schedules, each filling one tax bracket, with the chance of success and total assets at 90.
The portfolio is hypothetical, and all figures are for demonstrative purposes only. Nothing shown is a recommendation to buy or sell any security.
Three steps from your accounts to the answer.
Connect brokerages, 401(k)s and IRAs from 12,000+ institutions, upload a statement, or enter holdings by hand.
Your tax filing status and country are in the plan settings, under Taxes & withdrawals.
Open Optimize your plan, then Roth conversions, and press Calculate.
Every schedule gets the same 1,000 market paths, so only the conversions change.
Each schedule converts enough each year to fill your income up to the top of one bracket, after the standard deduction.
Converting means paying tax now. Later withdrawals from the Roth are tax-free and lower your RMDs.
A schedule that lowers your chance of success is left out.
With little in a traditional IRA or 401(k), there may be nothing worth converting.
Required minimum distributions, year by year.
Tests claiming ages and shows the best one it found.
Your chance of not running out of money, from 1,000 simulations.
Spending that adjusts when markets move a lot.
Add your retirement accounts and set up your plan. The optimizer is part of Platinum.
Get startedShort answers here, with a link to the full help center article where one exists.
Often when your tax rate now is lower than it will be later, for example in the years between retiring and RMDs. Read more in the Help Center →
The converted amount counts as income in the year you convert. Read more in the Help Center →
Your accounts by tax type, your tax filing status and your plan settings. Read more in the Help Center →
Yes. Add a Roth conversion as a life event in the planner, on every plan. Read more in the Help Center →
No. It is part of Platinum and Pro, and works with US tax rules only.
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