Repeat Fire · Roth Conversion Planner
Bridge to 59½
Roth Conversion Planner
Every year you convert Traditional dollars to Roth, that slice starts a 5-year clock before it's penalty-free to spend. This lays out the ladder — how much to convert, what it costs in tax, and when each rung becomes accessible.
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Educational, not tax advice. Uses simplified 2025-ish federal brackets and ignores IRMAA, NIIT, and state tax. A converted amount is treated as accessible once 5 years have passed since that conversion or you turn 59½, whichever comes first. Verify with a tax professional before converting.
Your numbers
Pull straight from your saved Withdrawal Calculator, or enter your own below.
Traditional balance
$
Traditional return rate growth during the ladder years
%/yr
Current age / Conversion start age
Filing status
Married Filing Jointly
Single
Social Security $/yr and start age
$
Pension $/yr and start age
$
Annual spending need after-tax, checks ladder coverage
$
Inflation rate
%/yr
Conversion strategy
Fill to top of bracket
Fixed $ per year
Target ceiling
Planning horizon
Years to project
Your conversion ladder
Each rung seasons for up to 5 years before it's penalty-free to spend.
Total converted
—
Total conversion tax
—
Avg. conversion tax rate
—
Ladder catches up at age
—
Cumulative seasoned & accessible
Cumulative spending gap since start
| Age | Trad. Start | Converted | Conv. Tax | Trad. End | Accessible (cum.) | Spend Gap (cum.) |
|---|
🪜Reading the ladder
Adjust the inputs to see how the ladder fills in.