"What If" Retirement Tax Planner (CA + Fed)

Scenario 1 · Roth Conversion + 401k Withdrawal

Roth Conversion

401(k) Withdrawal

SS Annual Income

RMD Amount

Other Income

LT Capital Gains

Fed Std Deduction

CA Itemized Ded

— Income Summary —

Total Income

—

Provisional Income

—

Taxable SS

—

— Federal —

Federal AGI

—

Std Deduction

—

Ord Taxable Inc

—

Fed Ordinary Tax

—

Fed LTCG Tax

—

NIIT (3.8%)

—

Fed Total Tax

—

Marginal Bracket

—

Headroom → Next

—

Fed Eff Rate

—

— IRMAA (Medicare) —

IRMAA Tier

—

Surcharge/yr

—

IRMAA Applies In

—

— California —

CA Adj Income

—

CA Itemized Ded

—

CA Taxable Inc

—

CA Tax (Gross)

—

Exempt Credit

—

CA Tax (Net)

—

CA Marginal

—

CA Eff Rate

—

Total Tax (Fed + CA)

—

Net Take-Home

—

Scenario 2 · Roth Conversion + 1 SS Income

Roth Conversion

401(k) Withdrawal

SS Annual Income

RMD Amount

Other Income

LT Capital Gains

Fed Std Deduction

CA Itemized Ded

— Income Summary —

Total Income

—

Provisional Income

—

Taxable SS

—

— Federal —

Federal AGI

—

Std Deduction

—

Ord Taxable Inc

—

Fed Ordinary Tax

—

Fed LTCG Tax

—

NIIT (3.8%)

—

Fed Total Tax

—

Marginal Bracket

—

Headroom → Next

—

Fed Eff Rate

—

— IRMAA (Medicare) —

IRMAA Tier

—

Surcharge/yr

—

IRMAA Applies In

—

— California —

CA Adj Income

—

CA Itemized Ded

—

CA Taxable Inc

—

CA Tax (Gross)

—

Exempt Credit

—

CA Tax (Net)

—

CA Marginal

—

CA Eff Rate

—

Total Tax (Fed + CA)

—

Net Take-Home

—

Scenario 3 · Roth Conversion + 2 SS (Pre-RMD)

Roth Conversion

401(k) Withdrawal

SS Annual Income

RMD Amount

Other Income

LT Capital Gains

Fed Std Deduction

CA Itemized Ded

— Income Summary —

Total Income

—

Provisional Income

—

Taxable SS

—

— Federal —

Federal AGI

—

Std Deduction

—

Ord Taxable Inc

—

Fed Ordinary Tax

—

Fed LTCG Tax

—

NIIT (3.8%)

—

Fed Total Tax

—

Marginal Bracket

—

Headroom → Next

—

Fed Eff Rate

—

— IRMAA (Medicare) —

IRMAA Tier

—

Surcharge/yr

—

IRMAA Applies In

—

— California —

CA Adj Income

—

CA Itemized Ded

—

CA Taxable Inc

—

CA Tax (Gross)

—

Exempt Credit

—

CA Tax (Net)

—

CA Marginal

—

CA Eff Rate

—

Total Tax (Fed + CA)

—

Net Take-Home

—

Scenario 4 · RMD + 2 SS Incomes

Roth Conversion

401(k) Withdrawal

SS Annual Income

RMD Amount

Other Income

LT Capital Gains

Fed Std Deduction

CA Itemized Ded

— Income Summary —

Total Income

—

Provisional Income

—

Taxable SS

—

— Federal —

Federal AGI

—

Std Deduction

—

Ord Taxable Inc

—

Fed Ordinary Tax

—

Fed LTCG Tax

—

NIIT (3.8%)

—

Fed Total Tax

—

Marginal Bracket

—

Headroom → Next

—

Fed Eff Rate

—

— IRMAA (Medicare) —

IRMAA Tier

—

Surcharge/yr

—

IRMAA Applies In

—

— California —

CA Adj Income

—

CA Itemized Ded

—

CA Taxable Inc

—

CA Tax (Gross)

—

Exempt Credit

—

CA Tax (Net)

—

CA Marginal

—

CA Eff Rate

—

Total Tax (Fed + CA)

—

Net Take-Home

—

"What If" Tax Planner

Retirement "What If" Scenarios - Enter approx values of incomes and see how taxes work out

Scenario 1 · Roth Conversion + 401k Withdrawal

Scenario 2 · Roth Conversion + 1 SS Income

Scenario 3 · Roth Conversion + 2 SS (Pre-RMD)

Scenario 4 · RMD + 2 SS Incomes

🔍 Roth Conversion Optimizer — Find the Sweet Spot

⚖️ Break-Even Roth Conversion Analysis