Roth Conversion is a term for the process of transferring money from a tax-deferred account to a Roth IRA, where the growth will not be taxed. PlannerPlus members can model Roth Conversion transactions in the tool.

You may use the Roth Conversion Explorer and apply the suggested conversions to your plan, or you may add conversions to your plan manually.

Use the Insights > Tax charts to look for tax planning opportunities. The bottom graph on the page shows projections for how tax brackets are filled over time. If there are years that show gaps in tax liabilities, you may have a planning window.

Step 1: Go to My Plan > Money Flows

Step 2: Open the Transfers section

Step 3: Press "Add a Transfer +"

Step 4: Select the account to convert FROM and TO

Step 5: Enter the amount to convert

Step 6: Enter the age the account owner will be at the time of conversion. The Explorer assumes that the converted funds will grow at the same rate as the destination Roth account.

Step 7: Press Save

Step 8: Repeat steps 3–8 to add additional conversions

I. Click on "Taxes" to see tax liability projections.

II. Notice how the Estimated Lifetime Income Tax changes with each transaction

III. Notice how the columns on the chart change with each transaction

Use the Insights > Tax charts to see how tax projections have changed.

Use the Insights > Savings charts to view ROTH Conversion Withdrawals and RMD withdrawals.
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