Roth Conversion Calculator — Adams Wealth Partners

Step One

Filing Status & Income Sources

Tax Filing Information

Filing Status Used to determine your tax brackets and standard deduction

Tax Year Brackets and deductions are indexed to the selected year

Earned & Government Income

Earned Income W-2 wages, salaries, self-employment income

Social Security Benefits Gross annual SS benefit — taxable portion calculated automatically

Pension Income Defined benefit pension, annuity, or 1099-R distributions

Investment & Passive Income

Investment Income Taxable interest, dividends, and capital gains distributions

Passive Income Rental income, K-1 pass-through income, royalties

Other Taxable Income Alimony, gambling winnings, or any other taxable income

Step Two

Deductions & Target Bracket

Tax Deductions

Deduction Type Standard deduction is applied automatically based on filing status and year

Itemized Deduction Amount Only used if you select Itemized Deductions above

Conversion Strategy

Target Tax Bracket Maximum bracket you want the conversion to fill — your optimal conversion stops at the top of this bracket

How This Works

Your current income sources are stacked against your deductions to find your taxable income
The calculator then shows the maximum Roth conversion that keeps you inside your chosen bracket
Social Security provisional income rules are applied automatically when SS benefits are entered
Converting now at a known rate can protect against higher future rates and create tax-free income in retirement

Your Personalized Analysis

Roth Conversion Strategy

Maximum Roth Conversion

this tax year

Calculating your conversion opportunity…

Income & Tax Breakdown

Total Current Income —

Taxable Social Security —

Total Deductions —

Current Taxable Income —

Current Tax Bracket —

Target Bracket Upper Limit —

Conversion Cost Analysis

Estimated Tax on Conversion —

Effective Tax Rate on Conversion —