Roth Conversion / Pre-Tax Withdrawal Analysis Calculator Roth Conversion / Pre-Tax Withdrawal AnalysisNow vs. After Starting Social Security (2026 Data) General Information Filing Status? Required: Determines tax brackets, deductions, SS, and IRMAA thresholds. Married Filing Jointly Single Head of Household Married Filing Separately Qualifying Surviving Spouse Pre-Tax Total Balance? Required: Total in pre-tax accounts for accurate projections and RMDs. Annual Conversion Amount? Suggested annual amount for conversions; used in single-year view. Client Current Age? Used for RMD timing in projections. Spouse Current Age? For joint RMD calculations (if married). Years to Project? Length of multi-year projection. Assumed Growth Rate (%)? Annual growth on pre-tax balance. Assumed Inflation Rate (%)? For adjusting thresholds over time.
