Retirement Tax Bill Calculator

See the total taxes the IRS will claim from your retirement accounts — and discover how much a Roth conversion could save you.

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⚠ The IRS Has a Claim on Your IRA: Most retirees have no idea how much of their IRA actually belongs to the IRS. Between income taxes, RMDs, and IRMAA surcharges, the total bill can be staggering. This calculator reveals your number.

Your Retirement Account Details

Your Potential Retirement Tax Bill

$0
in potential taxes under your current approach

🔴 Current Approach

Keep IRA, take RMDs, pay taxes on distributions

🟢 Adjusted Approach

Roth conversion — tax-free growth & withdrawals

Your Potential Tax Difference
$0

💡 What This Means For You

💰 Roth Conversion Strategy

By converting a portion of your IRA to Roth, you pay taxes now at known rates — then enjoy tax-free growth and withdrawals forever. No more RMDs, no more surprise tax bills.

🛡️ IRMAA Protection

Lower future RMDs mean lower MAGI, which can drop you out of IRMAA surcharge brackets — saving thousands per year on Medicare premiums alone.

💍 Widow Penalty Guard

If one spouse passes, the survivor drops to Single filing — higher brackets, more SS taxed. Roth assets are tax-free and don't inflate income, providing critical protection.

Get Your Free Personalized Report

We'll create a detailed analysis with your exact numbers, strategy recommendations, and next steps.

Circular 230 Disclosure: To ensure compliance with requirements imposed by the IRS under Circular 230, we inform you that any U.S. federal tax advice contained in this communication (including any attachments) is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing, or recommending to another party any matters addressed herein. This calculator is for educational and illustrative purposes only and does not constitute tax, legal, or financial advice. Consult a qualified tax professional for advice specific to your situation.

Key Planning Concepts

Key strategies that protect your retirement from hidden tax claims and market losses.

🏛️

The IRS Has a Claim on Your IRA

At a combined 35% tax rate, a $2.6M IRA carries a $982,000 embedded IRS claim — money that isn't yours. A Roth conversion systematically removes that claim, dollar by dollar, so every cent stays in your family.

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Indexed Growth Strategy (IGS)

Floor-protected, point-to-point indexed crediting with 80% participation in S&P 500 gains — and a 0% floor so you never lose money in down years (e.g., 2022's −19.4% becomes 0%). No annual fees. Credited as a single lump sum at term end.

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Phase 1 → Phase 2 Conversion

Roth conversion isn't all-or-nothing. Phase 1 starts the prescription — converting ~$50K/year over 7 years to eliminate a portion of the IRS claim. Phase 2 completes it, removing the remaining claim entirely. Measured, tax-efficient, and deliberate.

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IRMAA & RMD Elimination

Converting to Roth reduces your future MAGI — which can drop you out of IRMAA surcharge brackets and save thousands per year on Medicare premiums. After full conversion, RMDs = $0 — no more forced distributions pushing you into higher brackets.

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Widow Penalty Protection

When one spouse passes, the survivor drops to Single filing status — higher tax brackets, more Social Security taxed, and an IRMAA bracket jump. Roth assets are tax-free and don't inflate income, providing critical protection during a devastating life transition.

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Ready to See Your Numbers?

Launch the RothRx Blueprint Calculator to see exactly how a Roth conversion strategy impacts your lifetime wealth, taxes, and IRMAA surcharges.

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