Most Roth conversion calculators solve for just one question: is your future tax rate high enough to justify paying taxes now? This one goes much further.
For donors who are already inclined toward charitable giving, a well-timed gift can dramatically reduce the tax cost of a conversion — shifting a marginal decision into a clear one. This calculator models the full picture: your conversion breakeven with and without a charitable offset, across three distinct planning goals — RMD reduction, tax-free income in retirement, and reducing the tax burden your heirs will face on inherited retirement assets.
Enter your numbers, choose your giving strategy, and see how the math changes when a charitable gift becomes part of the plan.