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Tools for clear Roth decisions
Calculate the allocation, compare strategies and understand year-end balances.
Retirement learning center
IRA pro-rata rule calculator
Estimate the taxable conversion allocation using annual IRA basis, distributions, and year-end values.
Open workspace →Retirement learning centerForm 8606 explained
Understand IRA basis, conversion reporting, and the difference between a planning worksheet and an IRS filing.
Open workspace →Planning workspaceCompare backdoor Roth strategies
Compare keeping IRA assets, an eligible reverse rollover, and a full conversion with explicit assumptions.
Open workspace →Planning workspaceRoth vs. traditional retirement saving
Compare current deductions, future tax treatment, uncertainty, and practical cash-flow assumptions.
Open workspace →Planning workspaceDecember 31 IRA balance simulator
Explore how a later IRA rollover or eligible transfer may affect the annual conversion allocation.
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