3-year example
Model an educational 3-year equal-split Roth conversion schedule with calculator assumptions.
$20,000 per year for 3 years
A 3-year split can make annual conversion amounts smaller while extending the modeled tax-payment period.
The schedule is useful for understanding how the calculator compares federal tax, state tax, penalties, and highest bracket by year count.
The page does not optimize a schedule and should not be treated as tax planning advice.
Open the calculator with a $60,000 example conversion, then review the multi-year conversion schedule table in the results area.
Open the calculatorThis educational page explains equal-split schedule modeling and does not recommend a conversion amount or timing.
This Roth Conversion Calculator is for educational and illustrative purposes only. It does NOT constitute tax, financial, legal, or investment advice. The calculation results are based on the information you provide and the latest IRS tax rules, which are subject to change. We do not guarantee the accuracy of the results. Please consult a licensed Certified Public Accountant (CPA), financial advisor, or tax professional before making any financial decisions.