OptiRoth: The Roth conversion plan that leaves your client with the most after tax.
How much to convert each year, and when to start Social Security, built for financial advisors.
Your account and first calculation are free. Or see a sample plan first.
Every number is calculated from tax law. No AI.
An example client
Single, born 1965, Arizona. $2 million in a Traditional IRA and $48,000 a year of Social Security, with 6% returns and 3% inflation, through age 90.
OptiRoth's plan in comparison to other typical Roth conversion plans
| Pick a plan to compare | After tax by 2055 |
|---|---|
| OptiRoth's plan | $11,272,402 |
| Fill the 24% bracket every year | $11,135,540 |
| Convert $250,000 a year | $10,289,082 |
| Fill the 22% bracket every year | $9,697,665 |
| No conversions | $7,768,300 |
Hover or tap to read any year. Pick a plan in the table to compare it.
How it finds the best plan
OptiRoth looks for the set of yearly conversions that works best over your client's whole plan.
Enter your client
Their ages, accounts, income and spending, plus your economic assumptions.
Client factors
- Birthdate and plan-through age
- Traditional IRA balance and basis
- Social Security benefit, or the one already being paid
- Job income and retirement date
- State, cash and monthly living expenses
Economic factors
- Traditional, Roth and cash returns
- Inflation
- Social Security raises (COLA)
- Tax-bracket growth
Test every Social Security age
Single: every age from 62 to 70 gets a full search.
Married: every pair of ages gets a quick check, and the best pairs get a full search.
Simulate every month
Each plan is run month by month: income, Social Security, required withdrawals, federal and state tax, Medicare premiums and account growth.
Fine-tune to the dollar
The best plan is adjusted to the dollar and checked again in the full simulation.
Pricing
Every plan aims for the most after-tax money. High is our most precise search, with 5 a month on every plan. Low and Medium are faster but may end a little lower, and both are unlimited. The planner shows the estimated time first.
Basic
- Unlimited Low and Medium precision plans
- 5 High precision plans a month, our most precise
- How much to convert each year
- When to claim Social Security
- The plan compared with doing nothing
- Client folders and saved plans
Pro
- Full year-by-year detail: taxes, Medicare and IRMAA, RMDs, balances
- The reasoning behind every year's amount
- A client-ready PDF report of every plan
- Every Social Security starting age compared
- Compare the plan with your own conversion amounts, and save the comparisons
Pro for teams
- Choose how many advisors need licenses
- Invite each advisor by email, or send them a license code
- See each advisor's activity and client plans, and reassign clients
- Client folders stay with your firm when an advisor leaves
- One bill: only you manage licenses, billing and cancelling
Your account and first calculation are free, with everything Pro shows; then choose a subscription. Each plan keeps the detail of the subscription it was run on.
Plus any applicable tax. Subscriptions renew automatically; cancel any time in Profile. OptiRoth is software for financial professionals, not investment, tax or legal advice.
What the simulation includes
Built into the calculation, not left to a footnote.
- Federal tax
- 2026 brackets and deductions, including the 2025 to 2028 deduction for people 65 and older.
- Social Security
- Benefit taxation, spousal benefits, payroll tax, and the earnings test (benefits withheld while working before full retirement age).
- Medicare
- Premiums, including IRMAA surcharges for higher income two years earlier.
- Required minimum distributions
- Required yearly IRA withdrawals in your client's 70s, including delaying the first to April 1.
- Account rules
- Basis (after-tax money in the IRA), the pro-rata rule, the 10% penalty before 59½, and Roth 5-year rules.
- State tax
- All 50 states and DC: brackets, Social Security treatment, and retirement exclusions, including whether a conversion counts. Local taxes, like New York City's, aren't included.
- Return limits
- Returns have upper limits, and the Roth return can be at most 2 points above the Traditional return, so no one can make a plan look better with unrealistic returns.
A folder for every client
Every plan is saved in your client's folder, so you can reopen, compare or rerun it when things change.
Questions advisors ask
Is OptiRoth tax or investment advice?
No. It's a planning tool for financial professionals and recommends no investments. Results depend on your assumptions, and the advice you give is your own.
What is it trying to maximize?
The money your client has left after taxes at the end of the plan, counting IRA money after the tax it would owe when withdrawn.
Which states are supported?
All 50 states and DC, with 2026 rules. Local taxes, like New York City's, aren't included, and the client is assumed to stay in one state.
Does it handle married couples and single clients?
Yes. Choose "Married couple" or "Single client" in the planner. For couples it tests both spouses' Social Security ages.
Do I need an account?
Yes, and it's free, as is your first calculation. Plans take minutes to hours, so your account holds them in client folders and we email you when one is ready. You can see a sample plan without an account.