Savior Compass 360 · 2026 educational model
See the Roth conversion decision from both sides.
Test a conversion, trace the tax cost, compare long-term account values, and surface the questions your tax and advisory professionals should resolve before anyone acts.
Explore before entering your own information
Start with a synthetic planning story.
Every example is fictional. Loading one replaces the figures currently on screen.
Guided inputs
Build the comparison.
Use taxable income—not gross income—for the federal bracket estimate. Leave out names, account numbers, Social Security numbers, tax IDs and credentials.
Time and filing
Tax picture
Accounts and conversion
An RMD must generally be distributed first and cannot be converted.
Long-term assumptions
Tax payment planning
Roth Conversion Planning Summary
Professional review required
Prepared from the values currently on this device · Assumption set 2026.1
Bracket and payment screen
What the conversion stacks on top of
- Federal marginal rate after conversion
- 24%
- Room left in that bracket
- $65,400
- Common prior-year safe-harbor target
- $35,200
- Estimated safe-harbor gap
- $200
- Single-filer RMD tax-pressure screen
- $13,132
The safe-harbor screen is not a payment schedule and does not determine total tax due. Confirm withholding, quarterly estimates, annualized-income treatment and state rules with a tax professional.
Selected horizon · age 96
Side-by-side after-tax value
After-tax household wealth
Follow both paths over time.
Traditional IRA balances are discounted by the entered future tax rate. This is a constant-return illustration, not a forecast.
Account composition · age 96
See where the money remains.
Review gates
Resolve these before acting.
- Confirm IRA basis and Form 8606, Social Security taxation, deductions, credits, capital gains, NIIT, ACA effects and charitable distributions.
- The IRMAA figure is a potential annual Part B premium adjustment when the applicable two-year lookback reaches Medicare; Part D and appeal rules are not modeled.
- Roth conversions are generally irreversible. Confirm eligibility, timing, custody instructions and estimated payments before execution.
Milestone ledger
Compare accounts, taxes and after-tax value.
| Age | Convert traditional | Convert Roth | Convert taxable | Keep traditional | Keep Roth | Keep taxable | Difference |
|---|---|---|---|---|---|---|---|
| 67 | $1,350,000 | $280,000 | $472,308 | $1,450,000 | $180,000 | $500,000 | $1,308 |
| 68Crossover | $1,431,000 | $296,800 | $494,979 | $1,537,000 | $190,800 | $524,000 | $1,719 |
| 70 | $1,607,872 | $333,484 | $543,637 | $1,726,973 | $214,383 | $575,511 | $2,665 |
| 75 | $1,908,437 | $446,277 | $856,081 | $2,049,803 | $286,893 | $908,881 | $6,215 |
| 80 | $2,021,871 | $597,220 | $1,447,305 | $2,171,639 | $383,927 | $1,541,096 | $13,166 |
| 85 | $2,019,423 | $799,215 | $2,300,518 | $2,169,010 | $513,781 | $2,453,965 | $25,780 |
| 90 | $1,844,346 | $1,069,530 | $3,496,864 | $1,980,964 | $687,555 | $3,734,449 | $47,391 |
| 95 | $1,463,248 | $1,431,272 | $5,109,678 | $1,571,637 | $920,104 | $5,461,066 | $82,824 |
| 96 | $1,366,395 | $1,517,149 | $5,484,558 | $1,467,609 | $975,310 | $5,862,414 | $92,120 |
This calculator uses constant annual returns, 2026 federal brackets, the IRS Uniform Lifetime Table, 2026 Medicare Part B IRMAA adjustments, a user-entered state-tax scenario and user-entered future tax rates. It does not provide tax, legal, accounting or investment advice and does not determine an “optimal” conversion. Actual law, income, returns, deductions, basis, premiums and cash flows may differ materially.
Optional local document helper
Read a tax document without uploading it.
Select one text-based PDF, DOCX or TXT file up to 12 MB. The browser reads it in temporary memory and looks only for supported candidate figures. Nothing is transmitted or retained by the website, and no value is applied until you choose it.
- Do not use a shared or public computer.
- Do not select a file containing passwords or authentication secrets.
- Extraction can be wrong. Compare every figure with the source.
No document selected. Manual entry is always available.
Need a professional to review the source files?
Move documents only through an approved secure destination.
This public calculator deliberately has no upload endpoint. Existing clients can sign in to the established Savior client portal, where the user authenticates before selecting files again. Never email tax returns or account statements.
Sources and limits
Visible assumptions, independently verifiable.
Before you calculate
Use a trusted, private device.
Your figures, source documents and results remain in this browser session and are not posted to a Savior application endpoint.
- The calculator does not ask for names, email addresses, account numbers or government identifiers.
- Selected files are read locally in temporary memory; the original file, filename and extracted text are not uploaded or saved by this site.
- Closing or refreshing the page clears the current working inputs. Save the report as a PDF if you want a copy.
- A person who can view this screen or a saved PDF can see the information you entered.
- Do not act without review by qualified tax and financial professionals.