Client asksMedicare
“Will this conversion push us into a higher IRMAA tier?”
Jay traces the two-year Medicare lookback and points to the exact projection years affected.
Subscription enforcement is off (
BILLING_MODE=beta). Professional features are not gated. Do not use this configuration for a paid production audience.
Retirement tax strategy, made visible
Defuse the tax bomb before it goes off.
Model Roth conversions across federal brackets, state tax, IRMAA cliffs, RMDs and Social Security — then keep the plan on file. Run the analysis once, reopen anytime, and let annual monitoring flag when income, markets, tax law, RMDs, or year-end timing call for a fresh look.
✓ Federal, state, IRMAA & Social Security in one model
✓ Run once — saved analyses reopen anytime
✓ Annual Roth monitoring (green / yellow / red)
$1.2M
lifetime tax with no action (illustrative)
$480K+
projected nominal difference (illustrative)
85%
of Social Security can become taxable
Lifetime tax + IRMAA, do nothing vs. convert
Do nothingConvert early≈ $480K saved
Why convert sooner
Every year you wait, the bill gets bigger.
Pre-tax balances keep compounding. Brackets, Medicare IRMAA cliffs, and RMDs reset on the calendar — so the tax exposure on an untouched IRA usually climbs year after year.
- Growth pushes more of your IRA into higher ordinary-income and IRMAA territory each year you do nothing.
- Federal brackets and Medicare surcharges adjust annually — waiting rarely makes the problem smaller.
- Required minimum distributions don’t ask permission. Convert while you choose the year, before the calendar forces it.
Illustrative tax + Medicare if you wait
2026
$38k
2028
$47k
2030
$58k
2032
$69k
2034
$80k
2036
$91k
Illustrative annual tax + Medicare cost on a growing pre-tax balance if you convert nothing (not a forecast for your household). Run the free screening for your numbers.
Three plans
Pick the plan that fits you.
Same tax engine. Individual, Professional, or Pro Max — choose a plan to continue toward checkout.
Save 2 months when you pay yearly instead of monthly.
New · Annual Roth monitoring
The plan stays after the meeting.
Easy Roth stores each household’s analysis under your account. You do not re-run the optimizer every time you want to view it — and status dots tell you when income, markets, tax law, RMDs, or year-end timing mean it is time to revisit.
- Run once. The full analysis page is saved with the household.
- Open anytime. Reopen from your workspace without waiting on a fresh compute.
- Revisit on signal. Green, yellow, or red shows whether a conversion needs another look.
Advisor workspace
Rivera Household
Saved analysis current — open anytime
Chen Household
Year-end window — confirm timing before Dec 31
Patel Household
New year — income, markets, or RMD timing may have moved
Illustrative roster statuses. Your book shows live signals from each household’s saved analysis.
Everything in one plan
Built to win the client conversation.
The whole tax picture
Federal brackets, selected state tax (modeled jurisdictions from TAX_META — including IA, WI, MN, MA), Medicare/IRMAA with a two-year lookback, Social Security taxation, and RMD timing — estimated together under current planning assumptions. Results should be reviewed by a qualified tax professional before implementation.
An AI assistant on every plan
A built-in assistant answers questions about the planning estimates on screen — why this strategy, what the IRMAA cost is, what happens if you convert more — grounded in that client's analysis.
A branded client deliverable
Add your firm's logo, name, and accent color and download a polished one-page PDF the client keeps — your brand on the page, not ours.
An advisor letter, drafted for you
One click drafts a professional letter from you, the financial advisor, summarizing the strategy and the coordination asks — ready to share with the client or their tax preparer. Edit it, copy it, send it.
Annual Roth monitoring
A client’s plan should not disappear after the meeting. Run the analysis once — it is stored under your account — and reopen it anytime. Green, yellow, and red status dots tell you when income, markets, tax law, RMDs, or year-end timing mean it is time to revisit.
Convert vs. do nothing, side by side
Every plan shows the conversion path next to leaving the account alone — taxes, IRMAA, lifetime wealth, and the recommended annual amount — so the client conversation stays concrete instead of abstract.
J Jay · plan-aware AI
Meet Jay, the plan-aware AI assistant for your Roth conversion analysis.
Ask Jay about Medicare, Social Security, RMDs, taxes, or any question about the plan — he lives inside the analysis, ready to explain the recommendation, test a trade-off, or surface the next issue to review with a tax professional.
Advisor asksStrategy
“Why does the plan convert less before age 65?”
Jay connects the schedule to the household’s entered ACA subsidy and later Medicare timing.
Client asksSocial Security
“What changes if I claim Social Security two years earlier?”
Jay explains how added taxable benefits can reduce conversion room in those years.
Advisor asksOwnership
“Which spouse’s IRA supplies each conversion?”
Jay reads the owner-specific schedule and distinguishes conversions, RMDs, and account sources.
Client asksRMD
“How much forced income does this avoid later?”
Jay compares projected RMDs under the recommended path with the do-nothing path.
Advisor asksTax
“What makes $22,000 better than rounding to $25,000?”
Jay explains the nearby tax cliff and the projected cost of using a practical rounded schedule.
Client asksMarkets
“What if returns are two percentage points lower?”
Jay interprets the sensitivity cases and shows whether the recommended direction still holds.
Advisor asksQCD
“Should charitable gifts come from the IRA instead?”
Jay highlights QCD eligibility, owner limits, and how a QCD can satisfy that owner’s RMD.
Client asksSpending
“Can this plan still fund our monthly spending goal?”
Jay checks the year-by-year withdrawal path across pre-tax, taxable, and Roth accounts.
Advisor asksState tax
“How is New Jersey changing the recommendation?”
Jay calls out modeled pension exclusions and state-income cliffs that influence the schedule.
Client asksSurvivor
“What should we review if one spouse dies first?”
Jay points to the widow’s-penalty section and clearly identifies assumptions outside the model.
Advisor asksImplementation
“Which recommendation should the tax preparer review?”
Jay distinguishes the highest-scoring schedule from the searched practical plan and its trade-off.
How it works
Three ways in, one clear plan.
01
Bring the data
Drop a statement and the AI reads balances by tax type, fill a short form, or just talk to Jay, our AI assistant. Mix and match.
02
Fill the gaps
Jay, our AI assistant, asks only for what is missing, like age, state, income, and Social Security, in plain language and one question at a time.
03
See the trade-offs
A wealth-optimized conversion target and near-optimal band, IRMAA cliffs, the full RMD schedule, and terminal after-tax wealth versus doing nothing — all on one screen. Run it once; the analysis stays under your account.
04
Fund the retirement
Enter a monthly spending goal and the plan estimates what to pull from each account, every year, with modeled tax and Medicare netted out. Next year, monitoring tells you when to revisit.
See the analysis
What your client sees.
A clear annual target, a near-optimal band, and the year-by-year path — scored on terminal after-tax wealth, not a single bracket guess.
Recommended plan
Convert about $250,000 a year for 5 years.
Outcomes are materially the same from $225,000 to $275,000/yr. Peak ordinary federal bracket reached in conversion years: 24%.
+$182,000
Projected terminal after-tax wealth advantage vs. doing nothing through age 90
$4.0M
Pre-tax today · married filing jointly · illustrative sample
Year by year
Conversions stop when RMDs begin — unless continuing still wins on wealth.
| Year | Convert | Marginal | Pre-tax end |
|---|---|---|---|
| 2026 | $250,000 | 24% | $3.99M |
| 2027 | $250,000 | 24% | $3.97M |
| 2028 | $250,000 | 24% | $3.95M |
| 2031 | — | 22% | RMD begins |
Client PDF & advisor letter
Branded for your firm. Speaks in the same terms the engine actually used.
Harbor Wealth Advisors
RE: Multi-year Roth conversion — ~$250,000/yr for 5 years
We recommend converting about $250,000 per year for five years (near-optimal band $225,000–$275,000). Peak ordinary federal bracket reached in conversion years: 24%.
Versus doing nothing, the model projects about +$182,000 in terminal after-tax wealth through age 90 under the stated assumptions.
Please confirm quarterly estimates, the two-year IRMAA lookback, and New Jersey treatment before implementation.
Illustrative sample. Your client's plan is computed live from their own balances, income, and assumptions — including federal brackets, selected state tax, IRMAA, RMDs, and Social Security.
Why advisors trust it
Numbers that hold up in front of a client.
Eight things the model does carefully — so the conversation stays about the plan, not the math.
01
The full tax picture
Social Security taxation, IRMAA with its two-year lookback, selected state rules, and bracket fills — estimated together on one screen.
02
Built on 2026 rules
Current federal brackets, IRMAA tiers, RMD ages, Social Security rules, and the OBBBA senior deduction, already wired in.
03
Spend-down, solved
Enter a monthly after-tax goal and it solves the gross withdrawal that nets it — including how each dollar pulls more Social Security into tax.
04
The full RMD picture
Year-by-year IRS divisors, RMDs under the plan versus doing nothing, and the forced taxable income conversions avoid.
05
Stops when it should
Fills the target bracket each year. Continues past RMD age only when that path still wins — otherwise it stops cleanly.
06
Real withdrawal sequencing
Model brokerage cost basis and choose IRA-first or a proportional split — capital gains on sales are taxed, not glossed over.
07
Run once, monitor annually
The analysis page is stored with the household under your account. Workspace status dots flag when income, markets, tax law, RMDs, or year-end timing mean it is time to re-run — not every time you open the plan.
08
Convert vs. do nothing
Every plan puts the recommended path next to leaving the account alone — taxes, IRMAA, lifetime wealth, and the annual target — so the trade-off is visible in the meeting.
Questions
Answered before you ask.
Is this tax advice?
No. Easy Roth is an educational planning tool that gives you and your client clear numbers to discuss. You remain the advisor of record.
How accurate are the numbers?
The engine models 2026 federal brackets, IRMAA, Social Security taxation, RMDs, and detailed state income tax for the jurisdictions listed as modeled in the tax methodology (including NJ, PA, CA, IL, NC, NY, GA, SC, VA, AZ, MI, OH, CO, IA, WI, MN, and MA), plus correct $0 for no-income-tax states. Most state models are Modeled — assumptions apply rather than claiming a complete TurboTax-style return. It is an educational planning aid — always confirm figures against source documents and with a qualified tax professional before acting.
Can I cancel anytime?
Yes. Cancel whenever you like and keep access through the end of the period you have already paid for. The full policy is in our Terms.
Which states are covered?
Federal tax and IRMAA estimates are available for every state. Detailed state income-tax models currently cover NJ, PA, CA, IL, NC, NY, GA, SC, VA, AZ, MI, OH, CO, IA, WI, MN, and MA — generally as Modeled — assumptions apply (for example NYC/Yonkers local tax is not included). No-income-tax states (FL, TX, and others) correctly show $0. Locality-heavy Maryland (county tax) and Connecticut remain intentionally deferred.
Do my clients need a login?
No. Financial professionals run the plan, and there is a clean client-facing view you can present or share. Individual investors use the same planner for their own household.
What is the difference between Individual, Professional, and Pro Max?
Individual Investor is $19.99/mo ($199/yr) for one household. Financial Professional is $39.99/mo ($399/yr) for up to 25 households, with a saved roster, annual Roth monitoring, advisor view, branded PDF, and CPA letter. Pro Max is $99.99/mo ($999/yr) for up to 125 households with the same advisor tools plus a 5× monthly AI allowance. Paying yearly saves 2 months versus monthly billing.
Do I have to re-run the analysis every time I open a client?
No. Run the analysis once and it is stored under your account with that household. Open the workspace anytime to view the same plan without waiting on the optimizer again. Annual monitoring uses a green, yellow, or red status on each household when income, markets, tax law, RMDs, or year-end timing suggest a fresh run.
Advisor workspace
Your households (0)
Run an analysis once — it is saved under your account. Click any household to reopen the full plan without re-running. Status dots flag when a conversion needs revisiting.
Current
Review soon
Re-run needed
Annual Roth monitoring watches income, markets, tax law, RMDs, and year-end timing. View anytime; re-run only when the signal says so.
| Status | Client | Filing | State | Age | Pre-tax | Lifetime savings |
|---|
Step 1 of 2
Tell us about the household
Upload statements, enter details manually, or talk it through with Jay — all three feed the same plan.
How this worksDrop one or more IRA / 401(k) statements or official Social Security Statements (Form SSA-7005). Account statements in one upload replace the household’s existing account rows (files in the same batch are combined). We classify each account and pull monthly Social Security estimates — then you confirm on Enter manually. Tip: click New Plan first when switching cases so income and Social Security don’t carry over.
📄
Drop statements or tap to browse
IRA / 401(k) PDFs or photos, or Social Security Statement PDFs — select multiple files at once.
How this worksName the household, add members with dates of birth, attach accounts to each person, enter Social Security in plain English (monthly amounts; annual figures ≥ $8,000 are auto-converted), then run the analysis. Extra edge-case fields stay hidden until they matter.
★ Not found in your statement. Please add these.
Household Filing & location
Members DOB + Social Security per person
Assets Assign each account to a household member — IRAs are individual, never joint
Income & spending What funds retirement cash flow
Wages, interest, and similar. Do not include pension or IRA distributions here.
Last year this income is received. Blank means it continues. Use when someone is still working and plans to retire.
Taxable pension or annuity income (before Roth conversions). IRA withdrawals already taken this year go under Current Year Activity.
About how much would you like to have available to spend each month after taxes? This helps us estimate how much cash your portfolio needs to provide each year.
Blank if already drawing.
Statement date. Growth starts the next day. Defaults to today for new plans.
More spending assumptions (inflation, growth, withdrawal order)
Applied to every account — pre-tax, Roth, and taxable. Leave blank for 6%.
Deduction Method Standard is the default
Current Year Activity Only facts that change this year’s recommendation
Amounts already completed this tax year. They count toward taxes and bracket room, but are not removed again from the current account balance.
Gross conversions already done this year.
Other taxable IRA distributions already taken (not conversions or RMDs).
Taxable RMD cash already withdrawn (not QCD).
Qualified charitable distributions already completed this year.
Advanced current-year details
If blank, mid-year plans estimate paid tax from the elapsed-year fraction.
Optional override when cash-flow mode is explicit remaining.
Needed when both an IRA and employer plan exist — otherwise Form 8606 basis may be wrong.
Needed when both IRA and employer-plan RMDs may apply.
Advanced details (optional, sharpens the numbers)
Cash dividends available for spending. Legacy plans that only stored a combined QD+LTCG amount still load here until you enter long-term gains separately.
Preferential taxable gain only — not automatically treated as household cash. Model taxable-account sales through the taxable balance when sale proceeds matter.
Enter only net investment income not already represented in qualified dividends or long-term capital gains above. This field adjusts the NIIT base only; the underlying taxable income must already be in an income field.
Used for this year\u2019s IRMAA. Leave blank to treat as $0.
Rolls forward into next year\u2019s lookback.
Combined federal + state. When Terminal ordinary rate is blank, this rate haircuts ending pre-tax balances. For legacy-at-death, it also sets the heir rate if that field is blank. Does not by itself complete the terminal capital-gain rate.
How ending balances are valued for the optimizer objective.
Required for after-tax equivalent; combined federal + state pretax haircut. Blank falls back to Expected future tax rate, then a federal-only infer.
Required for after-tax equivalent; combined federal + state haircut on embedded taxable gain. Leaving this blank keeps an assumed 18.8% and marks the terminal model incomplete.
IRS allows delaying the first IRA RMD until April 1 of the next year (the second RMD is still due that Dec. 31). Employer-plan still-working deferrals are separate.
QCDs can only be made from an IRA.
2026 statutory limit is $111,000 per eligible owner. Later years use an estimated inflation-indexed cap (planning assumption).
Required for High confidence when IRA balances exist. Unsure suppresses the recommendation. Form 8606 is owner-specific — for MFJ use the Primary/Spouse fields below.
Legacy single-owner / household field. Prefer owner-specific amounts when filing jointly.
Form 8606 line 1 for this tax year. Owner-specific — never pools with spouse.
Not modeled — Yes or Unsure blocks High confidence.
Not modeled — Yes, Unsure, or unconfirmed business income blocks High confidence.
Federal tax is modeled before credits — Yes or Unsure blocks High confidence.
2026 standard-deduction path allows up to $1,000 ($2,000 MFJ) of qualifying cash gifts.
Blank means the wages above are already being received.
For a fixed-term annuity that stops paying. Blank means it continues for the whole projection.
Rental, royalty, or other recurring taxable income with its own start/end years below.
How this worksNo forms required. Jay, our AI assistant, asks for what the calculator needs one question at a time, then builds the plan automatically when he has enough.
Jay AI assistant
online and ready to help
Your analysis will appear here
A Roth conversion plan estimate in one click
Fill in the household above, then run the analysis. Everything here is generated from those numbers:
01
Bracket & IRMAA analysisExactly how much room is left in each bracket before the next cliff.
02
Year-by-year conversion scheduleThe recommended amount to convert each year, with a chart.
03
RMD table & forced-income reliefWhat RMDs look like with and without the plan.
04
Monthly spending withdrawalsEstimated dollars to pull from each account to fund retirement.
05
Lifetime savings & a client-ready PDFConvert vs. do-nothing, plus a branded three-page deliverable.
Your branding
Applied to the client PDF and the advisor letter. Saved on this device.
Used for headings and rules on the PDF.
Advisor letter
A ready-to-send letter from you, summarizing the strategy for the client or their tax preparer. Edit anything before you copy or download.
Drafting the letter…
Terms of Service
Last updated August 2026 · Version 2.0
Please read these terms carefully. They govern your use of Easy Roth and they limit our liability to you. Section 4 explains that Easy Roth is a software modeling tool and does not provide tax, legal, accounting, or investment advice. Section 17 requires most disputes to be resolved by individual binding arbitration and waives your right to a jury trial and to participate in a class action; you may opt out of arbitration within 30 days as described in that section. By creating an account or using the service, you accept these terms.
1. Definitions
“Easy Roth,” “we,” “us,” “our” means the operator of easyrothconversion.com and the Easy Roth software. “You” or “User” means the person who creates an account or uses the service. “Service” means the Easy Roth website, application, calculation engine, AI features, exports, and related materials. “Professional User” means a User who uses the Service in connection with a business of advising, preparing returns for, or planning for other people. “Individual User” means a User modeling only their own or their household’s situation. “Household Data” means the information you enter, upload, or generate about a person or household, including names, ages, balances, income, benefit amounts, uploaded statements, and the plan outputs saved to your account. “Usage Data” means de-identified, aggregated technical and behavioral data about how the Service is used that does not identify you or any household. “Content” means everything made available through the Service other than Household Data, including text, calculations, methodology, models, layout, and design. “Subprocessor” means a vendor we engage to help deliver the Service, such as our hosting, database, email, payment, and AI providers.
2. Acceptance, changes, and eligibility
By creating an account, checking the acceptance box, or otherwise using the Service, you agree to these terms and to our Privacy Notice, which is incorporated here by reference. If you do not agree, do not use the Service.
We may change these terms. When we do, we will update the “Last updated” date and version above and, for material changes, ask you to review and accept the updated terms the next time you sign in. Changes take effect when posted unless we say otherwise, and your continued use after that point means you accept them. We recommend you review this page periodically.
You must be at least 18 years old and legally able to enter a contract. The Service is offered only to Users located in the United States and is built around United States federal and selected state tax rules. It is not offered to, and should not be used by, residents of the European Economic Area, the United Kingdom, or Switzerland, and we make no representation that the Service is appropriate or available for use outside the United States. If you are accessing the Service on behalf of an entity, you represent that you have authority to bind that entity, and “you” includes that entity.
3. Beta status and changes to the Service
The Service is currently offered as a beta product. Features, calculations, tax data, state coverage, limits, and pricing may change, be added, or be removed at any time, with or without notice. Some features are gated, incomplete, or under revision at any given time. We may modify, suspend, or discontinue any part of the Service at our discretion. Beta status does not reduce your responsibility to independently verify every figure before acting on it.
4. What the Service is — and what it is not
Easy Roth is a software modeling and education tool. It is not tax advice, legal advice, accounting advice, investment advice, or a recommendation to take or refrain from taking any action.
Easy Roth models Roth conversion scenarios by applying published federal tax rules, selected state income tax rules, Medicare income-related monthly adjustment amount (IRMAA) tiers, required minimum distribution rules, Social Security taxation rules, and Affordable Care Act premium credit rules to the assumptions you enter. Its outputs are hypothetical projections under those assumptions, not statements of fact about your actual tax liability, your actual benefits, or your actual future wealth.
We are not a registered investment adviser, broker-dealer, certified public accounting firm, enrolled agent, tax return preparer, insurance producer, or law firm, and we do not hold ourselves out as any of these. Nothing in the Service creates an advisory, fiduciary, accountant-client, attorney-client, or other professional relationship between you and us. We do not know your complete financial picture, we do not review your tax returns, and we do not supervise, approve, or take responsibility for what you or anyone else decides to do.
The Service and its outputs are not intended or written to be used, and cannot be used, for the purpose of avoiding penalties that may be imposed under the Internal Revenue Code or under any state or local tax law. You should obtain advice based on your particular circumstances from a qualified tax professional, and where relevant an attorney and an investment professional, before executing a Roth conversion or any related transaction.
We do not recommend, offer, or solicit the purchase or sale of any security, insurance product, or investment. No output of the Service should be read as such a recommendation, offer, or solicitation. We are not an “expert” within the meaning of the Securities Act of 1933.
5. Assumptions, limitations, and accuracy
Every figure the Service produces depends entirely on the assumptions entered and on tax parameters that are subject to change. You are solely responsible for the accuracy, completeness, and appropriateness of everything you enter. Small changes in inputs or assumptions can produce large changes in results. Results may differ between runs and over time as the engine, tax data, or your inputs change.
The Service does not model every item that can appear on a tax return or every rule that can apply to a retirement account. Among other things, it does not attempt to model every credit, deduction, phase-out, alternative minimum tax situation, employer plan provision, trust or estate structure, non-U.S. income, or state-specific treatment outside the states it covers. It does not model investment risk, sequence-of-returns risk, market volatility, or the performance of any specific security or product; growth is applied as a deterministic assumption you select.
State income tax is currently estimated for New Jersey, Pennsylvania, California, Illinois, North Carolina, New York, Georgia, South Carolina, Virginia, Arizona, Michigan, Ohio, Colorado, Iowa, Wisconsin, Minnesota, and Massachusetts under current planning assumptions (generally as modeled with disclosed assumptions). States with no personal income tax on this income correctly show zero. For all other states, federal tax and IRMAA are estimated while state tax is shown as zero and flagged in the plan; you must add state tax yourself for those states. New York City and Yonkers local income taxes are not included, and Ohio municipal/school-district and other local or municipal income taxes generally are not included unless specifically entered.
Tax law, published inflation adjustments, Medicare premiums and thresholds, and benefit rules change, sometimes retroactively, and scheduled provisions may be extended, modified, or allowed to expire. Figures shown for future years are projections based on rules as we understand them at the time of the run and on indexation assumptions, not on enacted law for those years.
Values you enter or that are read from an uploaded statement are not a substitute for your official account statements, your Social Security statement, your Medicare determination notices, or your filed tax returns. Nothing produced by the Service is a consolidated account statement, a performance report, a custodial statement, a tax return, or a tax form. Account values shown are not covered by, and imply nothing about, FDIC or SIPC protection.
6. AI-enabled features
The Service includes optional features powered by third-party artificial intelligence models, including reading uploaded statements to extract balances, conversational assistants that help you complete an intake or navigate the product, and drafting assistance for correspondence such as a letter summarizing a plan for a tax professional. These are collectively the “AI Features.”
AI features can be wrong. They can misread a document, transpose a figure, omit an account, misstate a rule, or generate confident text that is inaccurate or not applicable to your situation. AI output is provided “as is,” is informational only, is not tax, legal, accounting, or investment advice, and does not replace your own judgment or that of a qualified professional.
You are solely responsible for reviewing every figure an AI Feature extracts against the source document, and for reviewing any AI-drafted text before you send, file, rely on, or give it to anyone else. Where an AI Feature produces a document intended for a professional, that document is a draft for your review and remains your communication, not ours.
When you use an AI Feature, the content necessary to produce the response — for example the statement page you upload or the question you type, together with relevant context from your inputs — is transmitted to our AI provider for processing. We do not sell that content, and our agreement with our AI provider does not permit your inputs or the resulting outputs to be used to train its general-purpose models. Our AI provider and other Subprocessors may retain content briefly for abuse detection, debugging, and service reliability, consistent with their published terms. Providers, models, and features may change over time; continued use after a change constitutes acceptance. We may apply usage limits, safety filters, and abuse detection to protect the Service.
Do not upload or enter material you are not authorized to disclose to a third-party processor. Avoid entering full Social Security numbers, account numbers, or government identification numbers; the Service does not need them.
7. Your account and your responsibilities
You agree to provide accurate and current information, to keep it up to date, and to keep your credentials confidential. Accounts are personal to one user; you may not share credentials, and each person using the Service must have their own account. You are responsible for all activity under your account. Notify us promptly at Easyrothconversion@gmail.com if you believe your account has been accessed without authorization.
You are responsible for complying with all laws, regulations, and professional or firm rules that apply to you, including those governing tax practice, investment advice, advertising, recordkeeping, supervision, privacy, and the security of client information.
8. Professional Users
If you are a Professional User, you additionally represent and warrant that: (a) you hold whatever license, registration, or credential your activity requires, or that your activity requires none; (b) you have obtained all authorizations and consents necessary to enter, upload, and process another person’s information through the Service and to permit us and our Subprocessors to process it as described in these terms and our Privacy Notice; (c) you will independently review, interpret, and verify every output before presenting it to anyone, and will apply your own professional judgment; (d) you will represent the Service’s results accurately, including their nature as estimates and their stated limitations, and will not present them as guaranteed, as an official tax calculation, or as our advice; and (e) you will not remove, obscure, or contradict the disclaimers that appear in exports and deliverables.
As between you and us, you are solely and exclusively responsible for all research, planning, recommendations, and advice you provide to your clients, whether or not it was informed by the Service. We are not responsible for and will not be liable for any advice you give or any recommendation you make.
You may use the Service only for your own clients. You may not use it to provide services to third parties outside that relationship, and you may not resell, sublicense, or provide access to the Service itself to anyone.
9. License and restrictions
Subject to your compliance with these terms, we grant you a personal, limited, revocable, non-exclusive, non-transferable, non-sublicensable right to access and use the Service — for an Individual User, for personal household planning, and for a Professional User, for internal business purposes and servicing that User’s own clients. All rights not expressly granted are reserved.
You may not: (a) copy, modify, translate, or create derivative works of the Service or Content; (b) reverse engineer, decompile, disassemble, or attempt to derive the source code, models, methodology, or tax parameters of the Service except to the extent applicable law prohibits this restriction; (c) sell, resell, rent, lease, sublicense, distribute, or operate a service bureau, time-sharing, or outsourcing arrangement using the Service; (d) use the Service or information obtained from it to build, train, or improve a competing product or model, or to benchmark it for that purpose; (e) scrape, crawl, harvest, or use automated means to extract Content or data; (f) circumvent or attempt to circumvent authentication, rate limits, usage quotas, subscription gates, or feature gates; (g) probe, scan, or test the vulnerability of the Service or breach its security, except under a written authorization from us; (h) upload malicious code or anything unlawful, infringing, or that you lack the right to submit; or (i) use the Service in violation of any applicable law, including United States export control and economic sanctions laws.
10. Ownership, Content, and feedback
We and our licensors own the Service and all Content, including all associated copyrights, trade secrets, patents, trademarks, and other intellectual property, together with any modifications or improvements. Nothing in these terms transfers any of those rights to you. Content may be modified at any time.
You retain ownership of your Household Data. You grant us a non-exclusive, worldwide, royalty-free license to host, store, back up, transmit, process, display, and otherwise use Household Data solely to provide, secure, and support the Service for you, and as otherwise permitted by these terms and our Privacy Notice. We do not use Household Data to train any general-purpose AI model, and we do not contribute Household Data to any third party for model training.
We may collect and use Usage Data to operate, monitor, secure, evaluate, and improve the Service, and to publish aggregate statistics. Usage Data does not identify you or any household, is distinct from Household Data, and is not your confidential information.
If you send us feedback, bug reports, suggestions, or ideas, you grant us an unrestricted, perpetual, irrevocable, royalty-free right to use and incorporate them without obligation or compensation to you. We have no obligation to use any feedback, and feedback is not confidential.
11. Confidentiality
The Service, its Content, its methodology, and any non-public materials we provide are our confidential and proprietary information. You agree to protect them with at least the care you use for your own confidential information, not to disclose them to third parties, and to use them only as these terms permit.
We will hold Household Data in confidence, will use it only as described in these terms and our Privacy Notice, and will apply administrative, technical, and physical safeguards reasonably designed to protect it. We remain responsible for our Subprocessors’ handling of Household Data to the same extent as if we handled it ourselves.
12. Subscriptions, billing, and auto-renewal
Current status: depending on deployment configuration, the Service may be offered in free beta (no charge) or with paid subscriptions enabled. When billing is disabled for a deployment, no charges are made. The remainder of this section describes paid subscription terms that apply when paid plans are turned on for your account.
When paid plans are active, Individual plans are billed at $19.99 per month or $199 per year and cover one household. Financial Professional plans are billed at $39.99 per month or $399 per year and cover up to 25 households. Pro Max plans are billed at $99.99 per month or $999 per year and cover up to 125 households with a higher included AI allowance. Annual billing includes a two-month discount versus paying monthly. Prices are in U.S. dollars and exclude any applicable taxes, which are your responsibility.
Subscriptions renew automatically for successive periods of the same length at the then-current price, charged to your payment method on each renewal date, until you cancel. You may cancel at any time from your account settings, and cancellation takes effect at the end of the period you have already paid for.
By subscribing you authorize us and our payment processor to charge your payment method on a recurring basis. We will provide any renewal reminder or cancellation confirmation required by the law of your state. We may change prices with at least 30 days’ notice before the renewal to which the new price applies; if you do not want the new price, cancel before that renewal.
Refunds. Charges for a billing period that has already begun are non-refundable, and cancelling stops future renewals rather than refunding the current or any prior period. You keep access through the end of the period already paid for. Nothing in this paragraph limits any refund right you have under applicable law, and we may issue discretionary refunds in individual cases without creating an obligation to do so in others.
We may suspend or terminate access for non-payment, for misuse, or for breach of these terms.
13. Term, termination, and your data
These terms apply from the moment you first access the Service until terminated. You may stop using the Service and close your account at any time from Settings or by contacting us at Easyrothconversion@gmail.com. We may suspend or terminate your access at any time for breach of these terms, for suspected unlawful or abusive use, for non-payment, or if we discontinue the Service.
On termination, your license ends immediately. You may export your saved households from within the Service at any time while your account is active, and you may request a one-time machine-readable export within 30 days after termination. After that period we have no obligation to retain Household Data and it may be deleted from production systems and, where the host retains encrypted backups, on that provider’s normal backup rotation (we do not separately guarantee a specific backup purge timeline). We may retain limited records where required by law or reasonably necessary to establish, exercise, or defend legal claims, and we will continue to protect anything retained.
Sections 4, 5, 6, 8, 10, 11, 14, 15, 16, 17, and 18 survive termination.
14. Disclaimer of warranties
The Service, the Content, and all outputs, projections, extractions, exports, and information obtained from the Service are provided “as is” and “as available,” with all faults, and without warranty of any kind, whether express, implied, or statutory. To the maximum extent permitted by law, we disclaim all implied warranties, including the implied warranties of merchantability, fitness for a particular purpose, accuracy, quiet enjoyment, title, and non-infringement, and any warranties arising from course of dealing, usage, or trade practice.
We do not warrant that the Service will be uninterrupted, timely, secure, or error-free; that defects will be corrected; that outputs will be accurate, complete, current, or suitable for your situation; that the Service will meet your requirements; or that any tax, benefit, or financial result will be achieved. No advice or information, oral or written, obtained from us or through the Service creates any warranty not expressly stated here.
Some jurisdictions do not allow the exclusion of certain warranties, so parts of this section may not apply to you. Nothing in these terms is intended to waive any right you have under the New Jersey Consumer Fraud Act or any other right that cannot lawfully be waived.
15. Limitation of liability
To the maximum extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any lost profits, lost savings, lost data, lost business, loss of goodwill, or cost of substitute services, arising out of or relating to these terms or the Service, under any theory of liability, even if we have been advised of the possibility of such damages.
To the maximum extent permitted by law, we will not be liable for any tax, interest, penalty, additional Medicare premium, lost subsidy, reduced benefit, investment loss, or other financial consequence arising from a conversion, distribution, election, filing, or other action you or anyone else takes or fails to take in reliance on the Service.
Our total cumulative liability arising out of or relating to these terms or the Service, whether in contract, tort, statute, or otherwise, will not exceed the greater of one hundred United States dollars ($100) or the total amount you paid us for the Service in the twelve months immediately before the event giving rise to the claim.
These limits are an essential basis of the bargain and apply even if a limited remedy fails of its essential purpose. Some jurisdictions do not allow certain limitations of liability, so parts of this section may not apply to you, and nothing here limits liability for fraud, for personal injury caused by our negligence, or for anything else that cannot lawfully be limited.
16. Indemnification
You agree to defend, indemnify, and hold harmless Easy Roth and its owners, officers, employees, contractors, agents, and Subprocessors from and against any claim, demand, proceeding, loss, liability, damage, penalty, and expense, including reasonable attorneys’ fees, arising out of or relating to: (a) your use of the Service; (b) your breach of these terms or of any law or professional obligation; (c) any advice, recommendation, deliverable, or representation you provide to another person, whether or not informed by the Service; (d) Household Data you submit, including any claim that you lacked the right or consent to submit it; and (e) any dispute between you and a client, advisor, family member, or other third party.
We will notify you of any claim for which we seek indemnification and may participate in the defense with counsel of our choosing at our own expense. You may not settle any claim in a way that imposes an obligation or admission on us without our written consent.
17. Dispute resolution, arbitration, and class action waiver
Please read this section carefully. It affects your legal rights, including your right to a jury trial and to participate in a class action.
Informal resolution first. Before starting an arbitration or a lawsuit, you agree to contact us at Easyrothconversion@gmail.com with a written description of the dispute and the relief you seek, and to give us 60 days to resolve it informally. This step is a condition of bringing a claim, and the limitations period is paused while it runs.
Arbitration. Except as stated below, any dispute, claim, or controversy arising out of or relating to these terms or the Service will be resolved exclusively by final and binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, as modified by these terms. The Federal Arbitration Act governs the interpretation and enforcement of this section. The arbitrator will apply New Jersey substantive law, may award only relief available in an individual action, and will issue a written award stating the disposition of each claim. Judgment on the award may be entered in any court of competent jurisdiction. The arbitration will be conducted in English. Unless you and we agree otherwise, hearings will be held remotely or, if an in-person hearing is required, in the county where you reside or in Mercer County, New Jersey, at your election. We will pay filing and administrative fees to the extent required by the applicable rules.
Exceptions. Either party may bring an individual claim in small claims court if it qualifies, and either party may seek injunctive or other equitable relief in court to protect intellectual property or to stop unauthorized access to or misuse of the Service.
Class action and jury trial waiver. You and we each waive the right to a trial by jury and agree that claims will be brought only in an individual capacity, and not as a plaintiff or class member in any class, collective, consolidated, private attorney general, or representative proceeding. Claims of separate users may not be joined or consolidated without the written consent of all parties. If this waiver is held unenforceable as to a particular claim or remedy, that claim or remedy will proceed in court and the remainder will proceed in arbitration.
Your right to opt out. You may opt out of this arbitration agreement by emailing Easyrothconversion@gmail.com with the subject line “Arbitration Opt-Out,” together with your name and the email address on your account, within 30 days after you first accept these terms. Opting out does not affect any other part of these terms and will not affect your access to the Service.
Court venue. For any dispute not subject to arbitration, you and we submit to the exclusive jurisdiction of the state and federal courts located in Mercer County, New Jersey, and waive any objection to venue there.
Any claim must be brought within one year after it accrues, or within the shortest period permitted by applicable law if that period is longer, or it is permanently barred.
18. General
Governing law. These terms and any dispute arising from them are governed by the laws of the State of New Jersey, without regard to its conflict-of-laws rules, except that the Federal Arbitration Act governs Section 17. Nothing in this paragraph deprives you of the protection of mandatory consumer-protection provisions of the state where you reside.
Assignment. You may not assign or transfer these terms or any rights under them without our prior written consent. We may assign these terms to an affiliate or in connection with a merger, acquisition, reorganization, or sale of substantially all of our assets. Any attempted assignment in violation of this paragraph is void.
Independent parties. We are independent contractors. Nothing in these terms creates a partnership, joint venture, agency, franchise, or employment relationship, and neither party may bind the other.
Force majeure. Except for payment obligations, neither party is liable for any delay or failure to perform caused by events beyond its reasonable control, including outages of hosting, network, payment, or AI providers.
Notices. We may give you notice by email to the address on your account or by posting in the Service. You must give us notice by email to Easyrothconversion@gmail.com. Notices are effective on receipt.
Severability and waiver. If any provision is held unenforceable, it will be modified to the minimum extent necessary to make it enforceable, or if that is not possible, severed, and the remaining provisions stay in effect. Our failure to enforce a provision is not a waiver of it, and any waiver must be in writing to be effective.
Entire agreement. These terms, together with the Privacy Notice and any terms presented at signup or checkout, are the entire agreement between you and us about the Service and supersede any prior understanding. No purchase order or other document you provide adds any term.
Third parties. These terms do not create any right or remedy for anyone who is not a party to them.
19. Contact
Questions about these terms, requests to export or delete your data, security reports, and arbitration opt-outs: Easyrothconversion@gmail.com.
Privacy Notice
Last updated September 2026 · Version 2.1
Who we are and what this covers
This notice explains what Easy Roth collects when you use easyrothconversion.com, why we collect it, who we share it with, and the choices you have. It applies to the website and the application, and not to any third-party site you reach from a link here. Easy Roth is offered to users in the United States only.
What we collect
Account information: your email address, a bcrypt hash of your password (we never store the password itself) or a Google sign-in identifier, and optionally your name, account type, and how you heard about us. We also record the date and version of the Terms you accepted.
Household and plan data: everything you enter or upload to run a plan — names or labels you assign, birth years and ages, filing status, state, account balances and types, income, Social Security amounts, spending, charitable and QCD figures, uploaded statement files, and the plan outputs and schedules saved to your account.
Usage and technical data: API request paths, response status codes and durations, AI token counters and per-day usage totals, session cookie contents, and IP address as processed by our host and rate limiter for security and abuse prevention. When product analytics is enabled, we also collect aggregate page and funnel events (for example landing, signup start/complete, analysis start/complete, checkout) with non-sensitive categorical metadata only.
Campaign and landing attribution: if you arrive via a campaign link, we may store first-touch UTM parameters (source, medium, campaign, content, term), the landing path, the initial referrer, and a first-touch timestamp in your browser (local storage, retained about 90 days) and, if you create an account, on your user record. First-touch values are not overwritten by later visits. We do not put household financial figures into attribution records.
Billing data (when paid plans are active): subscription status, plan, and renewal date, plus customer and subscription identifiers from our payment processor. We never receive or store your full card number — card details go directly to the payment processor.
Client error reports (when monitoring is enabled): error type, stack trace, app version, route/page, browser/device class, and a safe feature identifier. We intentionally do not capture form field values, plan payloads, balances, income, uploaded documents, or email addresses in those reports.
We do not ask for and you should not enter Social Security numbers, full account numbers, or government identification numbers. Redact them from any statement before uploading.
Why we use it
To create and secure your account and sign you in; to run the calculation engine and produce, save, and export plans; to operate AI features you choose to use; to send transactional email such as verification and password reset; to enforce usage limits and detect abuse; to process subscriptions when billing is enabled; to measure product funnels and diagnose errors so we can improve reliability; to attribute marketing landings; and to comply with law. We do not use your data for advertising, and we do not sell or share personal information for cross-context behavioral advertising. Product analytics events never include household names, account balances, income, Social Security amounts, tax amounts, uploaded statement contents, or email addresses.
AI features and your data
When you use the statement reader, an assistant, or the letter drafter, the content necessary to generate the response — the document page or question, plus relevant context from your inputs — is sent to our AI provider, Anthropic, for processing. Our agreement with that provider does not permit your inputs or outputs to be used to train its general-purpose models. The provider may retain content briefly for abuse detection and reliability, consistent with its published terms. We do not use household data to train any model. Using AI features is optional; you can complete a plan by entering figures manually instead.
Who we share it with
We share data only with the service providers needed to run the product, each under contract and only for that purpose: our hosting and database provider (Railway, with PostgreSQL), our transactional email provider (Resend), our AI provider (Anthropic), when product analytics is enabled Google Analytics 4 (Google), and, when billing is enabled, our payment processor (Stripe). We may also disclose data when required by law or valid legal process, to protect our rights or the safety of users, or in connection with a merger, acquisition, or sale of assets, in which case we will notify you. We do not sell your personal information.
Security
Passwords are stored only as bcrypt hashes. Session cookies are HttpOnly, SameSite, and marked Secure in production. Traffic is served over HTTPS with HSTS, and the app runs under a Content Security Policy. Verification and reset codes are stored hashed, expire, and lock out after repeated failed attempts. Access to production data is limited. No system is perfectly secure, and we cannot guarantee absolute security. If a breach affects your personal information we will notify you and any regulator as required by applicable state law.
Retention and deletion
Account records and saved households are kept while your account is open. You can delete individual saved households at any time from within the app, and you can delete your entire account and all associated households from Settings. Deletion is immediate and permanent in production systems. Where the host retains encrypted backups, deleted records typically age out on that provider’s normal backup rotation; we do not separately guarantee a specific backup purge timeline. We may keep limited records where the law requires it or where reasonably necessary to establish, exercise, or defend a legal claim. Request logs are retained for 90 days for operational diagnostics and then deleted automatically; aggregate usage counters are retained for a limited operational period. Neither is used to profile you.
Your choices and rights
You can access and correct your account details in Settings, export your full account data as a machine-readable file, and delete saved households or your whole account from within the app. Depending on where you live — including California, Colorado, Connecticut, Virginia, and other states with comprehensive privacy laws — you may have rights to know what we collect, to obtain a copy, to correct or delete it, and to be free from discrimination for exercising those rights. We honor these requests from all United States users regardless of state. To make a request we cannot fulfill in-app, email Easyrothconversion@gmail.com from your account address; we may need to verify your identity before acting. If you are dissatisfied with our response you may appeal by replying to our decision, and you may contact your state attorney general.
We do not sell personal information and we do not share it for targeted advertising, so there is nothing to opt out of in those categories. We do not use personal information for automated decisions that produce legal or similarly significant effects about you; the calculation engine models scenarios you request and does not decide anything about you.
Cookies and local storage
We use a single HttpOnly session cookie to keep you signed in and, where applicable, local browser storage to hold in-progress inputs on your own device. First-touch campaign attribution (UTM fields, landing path, referrer, timestamp) may also be stored locally for about 90 days. When Google Analytics 4 is enabled, Google may set analytics cookies as described in Google’s documentation; we configure analytics without advertising features and do not use advertising or cross-site tracking cookies of our own.
Children
The Service is for adults 18 and older. We do not knowingly collect information from children under 13, and if we learn that we have, we will delete it. Do not enter information about a minor beyond what a plan legitimately requires, such as a beneficiary’s age.
If you enter someone else’s information
If you are an advisor, family member, or anyone entering another person’s data, you are the party responsible for having the authority and consent to do so and for complying with the privacy and confidentiality rules that apply to your practice. Treat saved households as confidential client records. We act as a processor of that data on your behalf and use it only to provide the Service to you.
Changes and contact
We will update the date above when this notice changes and will notify you in the app for material changes. Questions, requests, and complaints: Easyrothconversion@gmail.com.
Support
Report a bug
Describe what went wrong. We email Easy Roth support with subject bug plus a unique ticket number.
Permanent
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Easy Roth
Conversion Planner
About Beta
Planning estimates you can review with a tax professional.
Easy Roth models Roth conversion scenarios under the assumptions you enter — federal tax, selected state tax, and Medicare interactions — so investors and advisors can walk into a CPA or EA conversation with a clear picture, not a blank page.
What it covers
Year-by-year conversion estimates compared against doing nothing, under your growth, spending, and filing assumptions.
- 2026 federal brackets, Social Security taxation, and IRMAA surcharges
- RMD timing, QCD handling, and conversion vs. hold side by side
- Selected state models (NJ, PA, CA, IL, NC, NY, GA, SC, VA, AZ, MI, OH, CO, IA, WI, MN, MA) — usually marked Modeled — assumptions apply
- Advisor workspace, client view, and a branded deliverable when you need to share the plan
Who it’s for
People who need an assumption-driven Roth conversion picture before they act — not a tax return, and not a substitute for professional advice.
- Individual investors preparing for a conversation with a CPA or EA
- Financial advisors modeling households and monitoring plans year to year
- Anyone who wants the trade-offs visible: tax cost, IRMAA, RMDs, and terminal wealth
What this tool does not model
These gaps are intentional. When they matter, Easy Roth lowers confidence or blocks a recommendation instead of guessing.
Unconfirmed Form 8606 basisStatus Unsure (or unconfirmed with IRA balances) hard-stops a recommendation. Known nondeductible basis uses Form 8606 pro-rata.
Full Schedule A / creditsItemized AGI-sensitive medical and charitable limits, Schedule 1-A items, QBID, and income-sensitive credits are not a complete tax-prep engine.
AMT & inherited IRAsAlternative minimum tax and inherited / beneficiary IRA rules are outside the current model.
Incomplete state returnsLocal taxes (NYC/Yonkers, Ohio municipal) and states without a detailed model are not fully estimated.
Joint Life RMD tableThe Joint Life and Last Survivor table is not modeled; disclosed cases block recommendations.
Plan-document exceptionsStill-working RMD delay is modeled only when you confirm the plan document permits it. Terminal rate assumptions must be confirmed for High confidence.
Outputs are planning estimates. Review every figure with a qualified tax professional before you convert.
Contact
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