Interactive Backdoor Roth IRA pro-rata tax calculator and educational scenario modeler.
RothProRata is a focused educational calculator that models the IRS pro-rata rule for Backdoor Roth IRA conversions. It helps individuals and advisors calculate taxable vs. non-taxable distribution ratios across traditional, SEP, and SIMPLE IRA balances before initiating conversions.
The IRS aggregate pro-rata rule across all pre-tax IRAs frequently triggers unintended tax bills when investors make non-deductible contributions while retaining pre-tax balances. RothProRata provides instant calculation clarity before money moves.
Instant aggregate IRA balance and basis ratio calculations
Clear visualization of taxable vs. tax-free conversion amounts
Year-end balance impact simulation (December 31 balance timing)
100% client-side computation with strict privacy (no financial data transmitted or stored)
High-earning professionals, individual investors executing backdoor conversions, and tax advisors.
Medicare Part B and Part D Income-Related Monthly Adjustment Amount tier projection tool.
Alternative Minimum Tax threshold analysis and incentive stock option exercise planner.
Precision bonus, equity vesting, and supplemental wage withholding analyzer.
