A smart calculator that connects to brokerage accounts, analyzes current balances across all retirement accounts, and models multi-year conversion strategies. It factors in projected income, tax brackets, IRMAA thresholds, ACA subsidy limits, and RMD requirements to generate an optimized annual conversion schedule with specific dollar amounts and projected tax savings.

The Roth conversion opportunity is particularly relevant as people anticipate potential tax rate changes, more workers have mixed pre-tax and Roth balances, and early retirees increasingly need to navigate ACA subsidies alongside retirement account decisions.