No opinions. Just the math.

The Roth & RMD Math Nobody's Selling You

Free retirement tax calculators that show you the numbers behind every Roth conversion and RMD decision.

Two systems. One retirement. We do the math.

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Roth × RMD Breakeven Calculator

The two-system math: Roth conversion vs forced RMD withdrawals

Full RMD Modeling: Calculator accounts for Required Minimum Distributions starting at age 73 (SECURE 2.0). Traditional IRAs are subject to forced taxable withdrawals. Roth IRAs are not. For high balances, this difference compounds significantly.

Projected After-Tax Value Over Time

All calculations based on current IRS rules (SECURE 2.0, IRS Uniform Lifetime Table). This is a mathematical simulation, not financial advice.
Consult a qualified tax professional for your specific situation.
Why this calculator is different
Most "free" Roth calculators are sales funnels. Here's the comparison:
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Full RMD modeling included✓Partial
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Watch the Math

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Money Mechanics

The retirement math channel that doesn't sell anything. We break down Roth conversions, RMDs, Social Security, IRMAA — every number verified against current IRS rules. No products, no consultations, no affiliate links. Just the math so you can make your own decisions.

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