RothSwitch

RothSwitch is a web + mobile app that helps individuals decide whether, when, and how much to convert from Traditional IRA/401(k) to Roth—without relying on vague rules of thumb. Users connect accounts (or enter balances manually), add basic income/tax details, and the app runs scenario modeling across multiple years: marginal tax brackets, Medicare IRMAA cliffs, Social Security taxation, and expected RMD impacts. It produces a simple conversion “budget” per year (e.g., convert up to the top of a chosen bracket) and a step-by-step checklist for executing conversions at major brokerages. This is not a robo-advisor and it won’t pretend to predict markets; it’s a decision tool focused on tax-aware retirement account moves. It also generates a clean PDF summary users can share with a CPA/EA, reducing back-and-forth and mistakes.