IRC §408A · §72(t) cited

Roth Conversion Ladder Planner

Convert Traditional IRA dollars to Roth without leaving your current tax bracket. Each rung starts its own 5-year clock.

Traditional IRA balance

Filing status

Current age

Target retirement age

Current taxable income (before conversion)

Expected retirement marginal rate (%)

Optimal annual conversion to stay in your current bracket

Top of your current bracket: $0 · Your bracket: 0%

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5-year clock per IRC §408A(d)(3)(F): each converted rung is locked for 5 years OR until age 59½, whichever is later. Pre-59½ withdrawal of converted principal otherwise triggers the 10% penalty in IRC §72(t).

Have our office model your full ladder

Estimates based on 2024 brackets. Conversions are taxable as ordinary income in the year converted. Pro-rata rule applies if you hold other Traditional IRA basis. Call 689-331-5723 or email info@zerofusstaxes.com.