RothGPT

RothGPT models your complete retirement-account lifecycle — through owner distributions and the 10-year inherited-IRA period — to get Roth conversion decisions precisely right. Ask in plain English, and it returns the recommended conversion amount and tax bracket, the present-value gain — the wealth the conversion creates, in today's dollars — and its components (tax-rate arbitrage, RMD tax-drag avoided, and Medicare/IRMAA impact), the conversion and distribution tax rates, the after-tax Roth value, and the conversion IRR versus your portfolio benchmark. Drill into the full bracket-by-bracket ladder or year-by-year projections for any conversion level.