Year-by-Year Schedule
| Year | Age | Converted | Tax Paid | Roth Bal. | Trad. Bal. |
|---|
This is a hypothetical illustration, not a promise or tax advice. Growth rates are assumptions — real returns vary and can be negative in some years. Tax here is a flat withholding percentage; real conversions are taxed bracket-by-bracket alongside your other income, and state tax isn't included. 2026 federal tax brackets and the standard deduction are held flat for all 10 years shown — nothing is adjusted for inflation, and "other income" stays the same every year. Required minimum distributions, IRMAA, and Social Security taxation are not modeled. Please consult a qualified tax professional before making any conversion decision.