Important: This calculator is for educational and illustrative purposes only. It provides simplified estimates based solely on the information entered. It does not calculate actual tax liability, tax-bracket stacking, deductions, credits, five-year Roth rules, early-distribution penalties, required minimum distributions, Medicare IRMAA, Social Security taxation, net investment income tax, state-specific rules, investment fees, or legislative changes. Roth conversions are generally taxable and cannot be undone. Consult qualified tax and financial professionals before acting. Results are not guaranteed and should not be considered tax, legal, or investment advice.