Launched this week
Roth Conversion Calculator
Free Roth conversion calculator that minimizes lifetime tax
10 followers
Free Roth conversion calculator that minimizes lifetime tax
10 followers
Free Roth conversion optimizer with full cash-flow modeling. Enter your IRA, Roth, and brokerage balances, your living expenses, and your income — an optimization model finds the conversion and withdrawal plan that maximizes your after-tax wealth, paying the tax from the right account. Built with Python and PuLP.
Does the optimizer factor in future tax bracket changes, or is it assuming today's brackets stay flat for the whole planning horizon?
Plugged in my numbers and it actually showed me converting way more than I expected this year, which makes the tax bracket trade-off click in a way spreadsheets never did. Wish the UI had a quick way to compare two scenarios side by side, but for a free tool this is impressively thorough.
The cash-flow modeling with proper tax-bucket accounting is exactly what every other calculator hand-waves. Nice to see PuLP put to work on something this practical instead of yet another fintech wrapper.
Love that it picks which account pays the conversion tax instead of assuming one bucket. That detail alone separates this from the basic conversion worksheets cluttering the space.