Originally Posted by ImThinkin2019
Has anyone used software to compare rollover schedules? I'd really like to model different ones and see what schedule gives us the maximum ending portfolio.
I have an Excel model I created to analyze the Roth conversion issue and compare alternative conversion plans. I'm currently working on an update for 2014 which will be out in a few weeks, but the current version is available via this thread at Bogleheads: Retiree Roth Conversion Decision Model
A few of its features:
Calculate yearly results, including income, expenses, taxes, inheritances, and asset sales for your major portfolio accounts for the time period you select, from 1 to 40 years.
Model future common events, like death of a spouse, receiving an inheritance, selling a home, buying an RV, etc., or experiencing a large tax rate increase!
Show how conversions will impact your marginal taxes each year, allowing you to adjust conversion amounts to test for the best tax outcome.
Provide an accurate Federal tax calculation, including determining taxable Social Security benefits, for most taxpayers using simplified input factors.
We don't have any heirs but I consider that a major excellent reason for doing Roth conversions. What a great gift to leave one's children!