Tools07 of 09
Roth Window Illustrator
How much room is left in your tax bracket? Your bracket is a floor on a ladder. Your income fills it. The room is what is left before the next floor.
Each dollar inside the room is taxed at 12 cents. The next dollar past $100,800 is taxed at 22 cents.
Years like this
required at 75
12 years like this before required withdrawals start at 75. A year with a paycheck is not one of them.
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Short notes on this tool, one idea each, in plain words.
What this tool does and does not do
What this shows
The bracket your taxable income sits in, the room left before the next line, the rate on each dollar inside it, and the years like this before required withdrawals start.
What it does not do
It never says how much to convert or what the tax would be, leaves out state tax and credits, and saves nothing you enter. It runs on the federal tables for tax year 2026.
These figures restate what you entered. They are not a projection, a recommendation, or a plan. A hypothetical illustration does not reflect the experience of any actual client. Nothing you enter is saved.
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For those within five years of retirement or already there, with $1 million or more set aside. No cost. No obligation.