Roth conversion ladder
Bridge early retirement by converting Traditional → Roth and living off seasoned funds. Uses your calculator inputs.
First uncovered year at age 65.
Converting $0 total at an average effective rate of 0.0%.
Total converted
$0
Tax paid
$0
Roth at end
$0
Traditional left
$0
Bridge used
$0
Conversions by year
Amber bars exceed the ACA MAGI threshold.
Year by year
| Age | Convert | Conv. tax | Eff. rate | Accessible | Bridge | Gap | Covered |
|---|---|---|---|---|---|---|---|
| 65 | $0 | $0 | 0.0% | $0 | $0 | $109K | ✗ |
| 66 | $0 | $0 | 0.0% | $0 | $0 | $112K | ✗ |
| 67 | $0 | $0 | 0.0% | $0 | $0 | $55K | ✗ |
| 68 | $0 | $0 | 0.0% | $0 | $0 | $56K | ✗ |
| 69 | $0 | $0 | 0.0% | $0 | $0 | $58K | ✗ |
| 70 | $0 | $0 | 0.0% | $0 | $0 | $59K | ✗ |
| 71 | $0 | $0 | 0.0% | $0 | $0 | $61K | ✗ |
| 72 | $0 | $0 | 0.0% | $0 | $0 | $62K | ✗ |
| 73 | $0 | $0 | 0.0% | $0 | $0 | $64K | ✗ |
| 74 | $0 | $0 | 0.0% | $0 | $0 | $65K | ✗ |
| 75 | $0 | $0 | 0.0% | $0 | $0 | $67K | ✗ |
Insights
- First ladder conversions become accessible at age 70 (5-year seasoning on conversions started at age 65).
- ⚠️ Expenses not fully covered starting at age 65. Consider increasing bridge savings, starting conversions earlier, or reducing withdrawal target.
- ⚠️ ACA MAGI threshold exceeded in 8 year(s). Switch to ACA Cliff-Aware strategy or reduce conversions in those years to preserve premium tax credits.