Roth conversion planning

See every way to convert —
and keep more of what you saved.

RothCanvas models thousands of Roth conversion strategies — year by year — factoring in your taxes, Medicare, Social Security, and the legacy you leave. So you finally know exactly what to do.

Get started → ▷ Watch the 30-second tour
Educational planning, not financial advice — your numbers, made clear.
The teaser · 0:30
A Roth conversion is one of retirement's biggest decisions — and the easiest to get wrong.

Convert too much and you jump a tax bracket or trigger Medicare surcharges. Convert too little and you leave money — and tax-free growth — on the table. The right amount changes every single year.

RothCanvas finds the good schedules, so you don't have to guess.

See it in action

Watch the whole thing in under two minutes.

A quick walkthrough of everything RothCanvas does — from entering your accounts to downloading your personalized plan.

The full walkthrough · 1:48
What RothCanvas does

One place for the whole picture

Every plan, ranked

Stop guessing which strategy wins

RothCanvas builds and scores thousands of conversion plans, then ranks them so the best rises to the top — no spreadsheets, no black box.

  • Ranked three ways — the most wealth, the lowest lifetime taxes, or the biggest legacy.
  • See the winner instantly — and exactly how every other plan compares.
  • Deep Search digs deeper to squeeze out every last dollar.
RothCanvas leaderboard — every conversion plan ranked
The leaderboard — every plan, scored and ranked
SCREENSHOT · SHOW THE MATH
Every number is clickable — see how it was calculated
Nothing is hidden

See the whole plan, year by year

No black box. Every year is laid out, and every number is clickable to reveal the exact math behind it.

  • Year-by-year conversions, taxes, and account balances.
  • Click any number to see how it was calculated — down to the bracket.
  • Follow every dollar with the money-flow view.
It factors in everything

The details that trip people up — built in

Your plan reflects real life, not a napkin estimate. RothCanvas accounts for the things most calculators skip.

  • Federal and all 50 states' taxes, plus Medicare (IRMAA) surcharges.
  • How much of your Social Security gets taxed, capital gains, and ACA subsidies.
  • Long-term care, required minimum distributions, and more.
Your money by tax bucket — pre-tax, Roth, taxable, cash
The three-bucket picture — the heart of the conversion story
SCREENSHOT · SOCIAL SECURITY & TAX
Time Social Security · see this year's conversion tax
More than a calculator — a guide

Answer the decisions that keep you up at night

RothCanvas doesn't just crunch numbers — it helps you act on them.

  • When to claim Social Security for the biggest lifetime payout.
  • What this year's conversion will cost — and whether to pay the tax from the conversion or another account.
  • Smart moves most people miss, like qualified charitable distributions — in plain English.
You're in control

Your plan, your way

Every assumption is yours to adjust — then save each version as a sketch and compare them side by side.

  • Tune returns, inflation, life expectancy, and every other dial.
  • Set your own spending order and where conversion taxes come from.
  • Save and compare unlimited scenarios as sketches.
RothCanvas assumptions — tune every dial
Every assumption, your call
How it works

From overwhelmed to a clear plan — in three steps

1

Tell it your picture

Enter your accounts, income, and what matters most to you. A guided interview makes it easy.

2

See every plan, ranked

RothCanvas does the heavy lifting — thousands of plans, scored and ranked for your goals.

3

Know exactly what to do

Explore your plan year by year, then download a clear, personalized report to act on.

Pricing

One simple plan for your retirement

Model as many scenarios as you want. Re-run it every year as the tax law and your life change.

FOR YOUR RETIREMENT

RothCanvas

$79.95/ year

Everything you need to plan your own conversions with confidence.

  • ✓ Thousands of ranked conversion plans
  • ✓ Year-by-year detail with the math shown
  • ✓ Taxes, Medicare, Social Security & legacy modeled
  • ✓ Social Security timing & conversion-tax tools
  • ✓ Save unlimited scenarios & download reports
  • ✓ Re-run each year against updated tax law
  • ✓ 14-day money-back guarantee
Get started →

Not for you? Full refund within 14 days.

Are you an advisor?

$295/ year

RothCanvas for Advisors — everything above, built to serve your clients.

  • ✓ Manage unlimited client files
  • ✓ Send clients a secure intake link to fill out
  • ✓ Client-ready reports & portraits
  • ✓ Everything in the consumer plan
Get the advisor version →
Built on trust

Your finances, handled with care

Your data is yours

Encrypted in transit and at rest. Export it or permanently delete it anytime — no questions asked.

We collect only what we need

Balances and assumptions — never SSNs, account numbers, or bank logins. The tool works on numbers, not identities.

Educational, not advice

RothCanvas is a planning tool that shows you the math. For decisions about your money, talk with a licensed professional.

Model the conversion.
Master the taxes.

See your smartest Roth conversion plan today — and keep more of what you spent a lifetime saving.

Get started → Are you an advisor?

14-day money-back guarantee — if it's not for you, get a full refund.