Seventeen tools covering Roth IRA contributions, conversions, withdrawals, and inherited-account math. Every tool runs entirely in your browser, shows its formula, and cites the IRS rule it implements. None of them store your inputs.
Decision Engines
Multi-step flowcharts and planners that route you through a rule set, then output a structured answer instead of a single number.
Inherited Roth IRA Decision Engine
Beneficiary category → depletion schedule → tax outcome. TD 10001-aware.
Inherited Beneficiary Type
Spousal, EDB, or non-EDB — decision tree to the right rule set.
Withdrawal Explainer
Walks the IRS ordering rules dollar-by-dollar: contributions → conversions FIFO → earnings.
Multi-Year Conversion Planner
Bracket-filling, IRMAA-aware schedule builder across multiple tax years.
Asset Location Architect
Which sleeve (bonds, stocks, REITs) belongs in which account type, and why.
Can I Contribute?
Two-minute eligibility decision tree: earned income, MAGI phase-out, special cases.
Calculators
Single-purpose math: enter inputs, get a number with the formula and statutory cite shown.
True Cost of a Conversion
Federal + state + IRMAA + SS torpedo + NIIT + LTCG in one snapshot.
Backdoor Roth Calculator
Pro-rata math under IRC §408(d)(2), Form 8606 trail, cleanup paths.
MAGI Estimator
Eligibility, phase-out band, and dollar-level levers to stay under the cap.
Growth Projection
Long-horizon tax-free growth, with side-by-side real-vs-nominal returns.
Roth vs. Traditional
Side-by-side after-tax outcome at retirement under different rate scenarios.
Fee-Drag Calculator
The compounded cost of an extra 1% in expenses across 30 years.
Missed RMD Penalty
IRC §4974 excise tax + Form 5329 self-correction + waiver path.
Schedules & Data
Year-by-year timelines, eligibility checkers, and reference data tables.
Conversion Ladder
FIRE bridge to age 59½: year-by-year conversion rungs with separate 5-year clocks.
10-Year Rule Schedule
Depletion deadline + year-by-year suggested withdrawal pacing for non-EDBs.
Saver’s Match Eligibility
SECURE 2.0 §103 — up to $1,000 federal match starting tax year 2027.
Roth IRA Statistics
Aggregate balances, account counts, and demographic breakdowns — sourced from IRS SOI and ICI.
Frequently Asked Questions
Are these tools tax advice?
No. Every tool on this page is educational. They model the rules and the math — contribution caps, MAGI phase-outs, pro-rata aggregation, the 10-year depletion rule, conversion tax stack, RMD divisors — but they do not know your full tax picture, your state, your employer plan terms, or your beneficiary documents. Use the output as a starting point; confirm decisions with your tax professional.
What 2026 figures and rules do the tools use?
The 2026 IRS baseline: $7,500 Roth contribution (under 50), $8,600 (50+), MAGI phase-outs at $153,000–$168,000 single/HoH and $242,000–$252,000 MFJ, $24,500 401(k) elective deferral, $72,000 §415(c) annual additions, IRMAA Tier 1 at $109,001 single / $218,001 MFJ. Inherited-IRA logic follows TD 10001 (July 2024). Roth catch-up logic follows TD 10007 (September 2025).
Is the math shown? Can I audit each tool?
Yes. Every calculator includes a methodology panel showing the formula, the statutory cite (IRC, SECURE Act section, IRS Notice or Revenue Procedure), and the assumed values. If a tool gives you a number, you can see why.
Do the tools store my inputs or send them anywhere?
No. All math runs in your browser. Nothing is sent to a server, logged, or stored. Reload the page and your inputs are gone. The only network calls each tool page makes are to load the page itself and its assets.
How often are the tools updated?
Annually for indexed figures (contribution limits, MAGI brackets, IRMAA tiers, FEIE, BAPCPA cap), and immediately when the IRS issues guidance that changes a rule the tools rely on — e.g., when TD 10001 finalized the inherited-IRA regs in July 2024 the inherited-Roth tools were rewritten in days. Substantive content changes are logged on the changelog page.