Best Roth conversion calculator for financial advisors (2026)

What "best" actually means

Roth conversion math has at least five moving parts: federal marginal rate, state tax, IRMAA Medicare surcharges, NIIT (3.8% net investment income tax), and Social Security taxation. A Roth conversion calculator that ignores any of these can mislead a client by thousands of dollars. So "best" depends entirely on which parts you need modeled and who's using the tool.

The three jobs

Job 1: Deep multi-year planning with an existing client. You need software that handles all five variables, projects RMDs, and lets you compare conversion amounts year by year. Winners: RightCapital, MoneyGuidePro Elite (with the tax module), Holistiplan paired with planning software.

Job 2: Lead generation on your public website. You need a calculator that's white-label, mobile-friendly, embeddable, and captures leads. Winner: AdvisorCal's Roth Conversion Calculator, which is part of the 42-tool suite at $19.99/month flat.

Job 3: Quick public reference. Schwab, Fidelity, and Vanguard each have free public calculators. They handle the basics but don't model IRMAA, NIIT, or state tax. Use them for sanity checks, not planning.

What AdvisorCal's Roth calculator includes

The AdvisorCal Roth Conversion Calculator handles federal tax brackets at the entered conversion amount, computes the tax cost, projects break-even based on retirement tax rate, and (importantly) flags when the conversion amount pushes the user into an IRMAA tier. It's branded to your firm and the user can request results by email — that email becomes a lead in your AdvisorCal inbox.

What it doesn't do

AdvisorCal's calculator is not a multi-year tax projection engine. It models a single conversion year at a time. For an advisor who wants to model "convert $50k/year for 8 years vs $100k/year for 4 years," you need a true planning platform like RightCapital. AdvisorCal is built for the prospecting funnel, not the deep planning meeting.

Bottom line

Pick the calculator that fits the job. Use AdvisorCal on your website to turn Roth conversion search traffic into leads. Use a full planning platform in the back office for multi-year client modeling. Don't try to make either tool do the other's job.