ROTH Conversion is a term for the process of shifting money from a pre-tax tax-deferred account to a post-tax tax-deferred account. PlannerPlus members can model ROTH Conversion transactions in the tool.

Look for conversion opportunities.

Use the Insights > Tax charts to look for tax planning opportunities. The bottom graph on the page shows projections for how tax brackets are filled over time. If there are years that show gaps in tax liabilities, you may have a planning window.

Net Taxable Income Chart

Model Transactions

First, go to My Plan > Savings and Assets to add transactions. You can enter conversions for yourself or your spouse.

  1. Click on "Add another Roth Conversion"

  2. Select the Account the conversion is coming from

  3. Enter the amount

  4. Enter the conversion age of the account owner

  5. Enter an optimistic and pessimistic rate of return for the destination account

  6. Repeat steps 1-5 to add additional transactions.

Will you do a roth conversion

Watch the chart on the right of the page update in real-time.

  1. Under "Your Updates," click on "Taxes" to see tax liability projections.

  2. Notice how the Estimated Lifetime Income Tax changes with each transaction

  3. Notice how the columns on the chart change with each transaction

Analyze The Impact

Use the Insights > Tax charts to see how tax projections have changed.

Net Taxable Income Chart

Use the Insights > Savings charts to view ROTH Conversion Withdrawals and RMD withdrawals.

Withdrawals Chart


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