Roth Conversion Ladder Calculator
Plan Roth Ladder
Access funds via Roth conversion strategy
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Formula
Annual Tax on Conversion = Conversion Amount × Marginal Tax Rate
Frequently Asked Questions
How does Roth conversion ladder work?
1) Convert X from Traditional IRA to Roth. 2) Pay tax on conversion. 3) Wait 5 years. 4) Withdraw conversion without 59.5 penalty. 5) Repeat.
What's the pro-rata rule?
If you have pre-tax and after-tax IRAs, conversions are taxed proportionally. To avoid: use SEP-IRA/Solo 401k rollover strategy.
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