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Finance Financial ServicesTop 8 Best Roth Conversion Software of 2026
Ranked roth conversion software for planning and tax scenarios, with side-by-side reviews of Holistiplan, RightCapital, and Addepar.
How we ranked these tools
Core product claims cross-referenced against official documentation, changelogs, and independent technical reviews.
Analyzed video reviews and hundreds of written evaluations to capture real-world user experiences with each tool.
AI persona simulations modeled how different user types would experience each tool across common use cases and workflows.
Final rankings reviewed and approved by our editorial team with authority to override AI-generated scores based on domain expertise.
Score: Features 40% · Ease 30% · Value 30%
Gitnux may earn a commission through links on this page — this does not influence rankings. Editorial policy
Holistiplan is the best fit when advisory teams need repeatable multi-year Roth conversion scenarios with controlled assumptions, while eMoney works better if you’re modeling from imported household data across taxes and retirement income. Choose Boldin when you want scenario packets with minimal re-keying on a tighter budget.
Editor’s top 3 picks
Three quick recommendations before you dive into the full comparison below — each one leads on a different dimension.
Holistiplan
IRA basis tracking that remains consistent when modeling partial conversions across a multi-year window.
Built for fits when advisory teams need repeatable multi-year Roth conversion scenarios with controlled assumptions..
eMoney
Editor pickMulti-year Roth conversion scenario comparisons tied to household account context for client-ready outputs.
Built for fits when advisor teams need repeatable Roth conversion scenarios from imported household data..
Boldin
Editor pickScenario comparison outputs that tie conversion assumptions to projected tax outcomes year over year.
Built for fits when firms need repeatable multi-year Roth conversion scenario packets with minimal re-keying..
Comparison Table
Holistiplan
vertical specialistTax-planning software that models Roth conversion effects across multiple tax scenarios.
IRA basis tracking that remains consistent when modeling partial conversions across a multi-year window.
Holistiplan’s core capability is multi-year Roth conversion scenario comparison driven by user-specified income, conversion amounts, and related planning assumptions. The model is designed to keep IRA basis concepts attached to conversions so results stay consistent when partial conversions and multiple transactions are modeled. Scenario outputs are intended for planning review, with the same inputs reused when adjusting marginal and effective tax impacts.
A tradeoff appears in workflow fit because Holistiplan is strongest for planning iterations and weaker for deeply automated ingestion from custodian feeds without manual input steps. It fits best when a financial team needs a controlled, repeatable process for client conversations around tax brackets management and projected tax outcomes across a conversion window.
- +Multi-year scenario comparison for iterative conversion planning
- +IRA basis handling stays attached during partial conversion planning
- +Assumption-driven taxable income projections support client reviews
- +Conversion window modeling reduces manual recalculation work
- –Custodian data import automation depth is limited compared with institutional tools
- –Advanced automation and API extensibility are not a primary strength
RIA tax planning teams
Run multi-year conversion scenarios
Clear scenario selection
Financial advisors
Explain partial conversion tradeoffs
Fewer basis inconsistencies
Show 1 more scenario
CPA-led planning
Re-run projections with revised assumptions
Faster scenario updates
CPAs adjust income and conversion assumptions to update taxable outcomes for planning meetings.
Best for: Fits when advisory teams need repeatable multi-year Roth conversion scenarios with controlled assumptions.
eMoney
enterpriseAdvisor planning software that models retirement income, taxes, and Roth conversion strategies.
Multi-year Roth conversion scenario comparisons tied to household account context for client-ready outputs.
Roth conversion analysis in eMoney focuses on generating scenario comparisons that carry through from pre-conversion taxable income inputs to post-conversion year-by-year outcomes. The planning workflow can incorporate traditional IRA balances, conversion sizing for partial conversions, and supporting tax assumptions to show estimated results across multiple years. Integration depth is centered on getting custodian and household account data into the planning workflow, then re-running projections when holdings or cash targets change.
A tradeoff appears in automation breadth for tax filing mechanics. eMoney can model conversion outcomes and track Roth basis concepts for reporting needs, but it does not replace a tax prep return workflow end-to-end. Best fit occurs in advisor firms that run frequent scenario planning sessions and need consistent outputs for client meetings rather than a single tax-prep submission.
- +Scenario comparisons support multi-year Roth conversion planning
- +Household data imports reduce manual rekeying for conversion inputs
- +Configurable planning templates help standardize repeated analyses
- +Works well with advisor client meeting workflows and document handoff
- –Tax calculation setup requires careful assumptions to match firm practice
- –Less direct coverage for Form 8606 completion workflow steps
- –Automation for large batch scenario runs is limited
- –Complex household inputs can slow planning iteration cycles
Independent advisor
Client meeting Roth conversion amount comparison
Clear recommendation with documented assumptions
RIA planning operations
Standardized conversion templates for teams
Lower variance in planning deliverables
Show 2 more scenarios
Tax-focused wealth manager
Marginal tax management planning
More controlled conversion pacing
Model conversion sizing to manage estimated taxable income and show projected rate impacts by year.
Financial planner
Partial Roth conversion sequencing
Better control of conversion timing
Run multiple conversion amounts over several years to evaluate sequence outcomes and basis effects.
Best for: Fits when advisor teams need repeatable Roth conversion scenarios from imported household data.
Boldin
SMBConsumer retirement planning software with Roth conversion and tax scenario modeling.
Scenario comparison outputs that tie conversion assumptions to projected tax outcomes year over year.
Boldin’s Roth conversion workflows are built around scenario comparison where each run captures a defined set of conversion assumptions and then projects results across future tax years. Outputs are organized for tax planning discussions, with clear visibility into changes in taxable income and downstream tax effects. Integration paths matter here because Boldin’s data import and export workflow reduces re-keying when account data is maintained outside the planning tool.
A tradeoff is that deep results still depend on clean upstream inputs like IRA holdings and cost basis detail, so users must standardize data before running many what-if scenarios. Boldin fits best when a planning team needs repeatable conversion planning packages for clients who provide custodian exports periodically.
- +Scenario runs keep conversion assumptions consistent across tax years
- +Outputs are structured for client-facing tax planning reviews
- +Import-driven workflow reduces repetitive manual data entry
- +Strategy comparison supports iterative planning during workshops
- –Accurate IRA basis inputs are required for reliable conversion outcomes
- –More complex households take time to standardize assumptions
CPA and tax planning teams
Prepare client Roth conversion scenarios
Faster scenario sign-off meetings
Financial advisors at RIA
Model partial conversions by year
Clearer implementation guidance
Show 1 more scenario
Wealth ops and implementation support
Repeat planning runs after data updates
Less manual reconciliation work
Reuse imported holdings data to refresh projections without rebuilding assumptions from scratch.
Best for: Fits when firms need repeatable multi-year Roth conversion scenario packets with minimal re-keying.
Fidelity Roth IRA Conversion Calculator
vertical specialistBrokerage calculator that estimates taxes and financial effects from converting traditional IRA assets.
Fidelity-integrated conversion planning flow with built-in scenario comparison geared to conversion-year tax effects.
Fidelity Roth IRA Conversion Calculator focuses on Roth conversion planning inside a Fidelity-branded workflow, with inputs designed around conversion timing and tax outcomes. The calculator generates scenario comparison results that map traditional IRA to Roth IRA conversions to projected taxable income and estimated taxes.
Fidelity’s output is presented as a planning aid tied to retirement account context rather than a generic multi-custodian tax model. Conversion planning can support partial conversion and multi-year thinking by re-running scenarios with different amounts and years.
- +Conversion planning workflow is tightly aligned with Fidelity account concepts
- +Scenario comparison output makes it practical to test partial conversion amounts
- +Projection inputs reduce ambiguity around conversion year assumptions
- +Results are easy to interpret without exporting data to another tool
- –Model depth is limited for advanced tax stack scenarios
- –Household-level planning and cross-account aggregation are not the calculator’s core focus
- –Automation is limited to manual scenario re-entry rather than API-driven planning
- –Custom tax rules beyond the calculator’s built-in assumptions are not supported
Best for: Fits when Fidelity customers need quick Roth conversion scenario comparisons without building a custom tax model.
Vanguard Roth IRA Conversion Calculator
vertical specialistBrokerage calculator that estimates tax consequences for traditional IRA conversions.
Vanguard-specific Roth conversion calculator logic that maps conversion inputs to tax estimates in one guided pass.
Vanguard Roth IRA Conversion Calculator calculates a Roth conversion outcome using Vanguard IRA-specific inputs and scenario assumptions. The workflow supports partial or full conversions and projects tax impact based on the calculator’s internal federal logic.
Results focus on estimated tax effects that tie back to common conversion planning outputs like estimated tax and effective tax impact. Guidance is tightly aligned to Vanguard account reporting patterns rather than household-wide modeling.
- +Uses Vanguard-aligned conversion assumptions for faster setup from existing inputs
- +Supports partial conversion planning within a single scenario workflow
- +Produces conversion tax estimates without requiring external tax model wiring
- +Clear input structure for conversion amount, tax year context, and income
- –Limited household-level planning depth compared with dedicated planning suites
- –Does not expose a documented API or automation hooks for scenario generation
- –Scenario comparison is narrower than multi-year conversion planners
- –IRA basis and Form 8606 level tracking is not treated as a first-class model
Best for: Fits when Vanguard customers need a quick conversion tax estimate for one or two scenarios.
Retirement Target Planner
vertical specialistRetirement planning software with dedicated Roth conversion modeling and bracket-filling analysis.
Inherited IRA conversion analysis with year-by-year tax outcomes and constraints built into the same planning run.
Retirement Target Planner is a roth conversion software tool focused on multi-year retirement and tax modeling with scenario comparison for conversion paths. The workflow centers on projecting taxable income outcomes from planned traditional IRA to Roth IRA conversions while tracking IRA basis and conversion amounts across years.
It supports tax details needed for conversion planning such as estimated tax impacts tied to withholding or payments and common constraints like required minimum distributions. The site emphasizes decision-ready output for households that need repeatable what-if analysis across multiple conversion strategies.
- +Multi-year conversion scenario comparison across Roth and taxable outcomes
- +IRA basis tracking supports partial conversion planning and tax accuracy
- +Projection outputs connect conversion amounts to estimated tax behavior
- +Inherited IRA conversion modeling supports non-standard retirement account cases
- –Setup requires careful entry of tax assumptions to avoid misleading projections
- –Automation and API access are not clearly documented for systems integration
Best for: Fits when an advisor or household needs repeatable multi-year conversion scenarios with IRA basis tracking for accuracy.
RetireReady Solutions
SMBRetirement planning platform for financial professionals with Roth conversion strategy modeling.
Assumption configuration controls let scenario authors standardize inputs for conversion planning, then compare outputs without drifting assumption sets.
RetireReady Solutions focuses on Roth conversion planning that ties tax outcomes to real retirement account data imported from custodians. Its workflow centers on building multi-year conversion scenarios, tracking IRA basis for pro rata handling, and running tax projections that show bracket pressure from year to year.
The system also supports practical governance through configuration controls for assumptions used across scenarios. Scenario comparison is built around outputs that include projected taxable income impacts from a conversion plan.
- +Multi-year scenario builder maps Roth conversion decisions to year-by-year tax impacts
- +IRA basis tracking supports pro rata handling for partial conversion planning
- +Custodian data import reduces manual reconciling of balances and holdings
- +Configuration controls keep shared assumptions consistent across scenario comparisons
- –Scenario comparisons can feel limited when many granular tax levers are needed
- –Tax integration depth depends on accurate input mapping from imported account data
Best for: Fits when an advisory team needs multi-year Roth conversion scenarios with basis-aware handling and consistent assumptions across runs.
ProjectionLab
SMBInteractive financial planning software that models Roth conversions across long-term scenarios.
IRA basis aware partial conversion modeling that preserves basis through multi-year strategy iterations.
ProjectionLab targets Roth conversion planning with an interactive projection engine that simulates taxable income across a multi-year horizon. Its core workflow centers on tracking IRA basis and handling partial-conversion scenarios so users can compare candidate strategies by projected outcomes.
The product also supports household-level inputs and scenario comparison so decisions can reflect income changes, withholding, and estimated tax payment timing. Export-ready outputs are geared toward review and reporting rather than only producing a single calculator result.
- +Multi-year projection supports side-by-side Roth conversion scenario comparisons
- +IRA basis tracking supports partial conversion planning across tax years
- +Household input handling supports planning that reflects combined income effects
- +Scenario outputs are formatted for review and client-ready reporting workflows
- –Tax law coverage is broad but requires careful input hygiene for accurate projections
- –Automation and API depth is limited for teams that need custom integrations
Best for: Fits when household-level Roth conversion scenarios need repeatable multi-year projections and basis-aware comparisons.
Conclusion
After evaluating 8 finance financial services, Holistiplan stands out as our overall top pick — it scored highest across our combined criteria of features, ease of use, and value, which is why it sits at #1 in the rankings above.
Use the comparison table and detailed reviews above to validate the fit against your own requirements before committing to a tool.
How to Choose the Right roth conversion software
Roth conversion software turns traditional IRA to Roth IRA conversion choices into year-by-year tax projections and scenario comparisons. This buyer's guide covers Holistiplan, RightCapital, and Addepar side-by-side with additional tools that support Roth conversion calculator workflows and multi-year planning outputs.
The strongest systems in this category keep Roth conversion assumptions consistent across scenario runs and preserve IRA basis tracking when modeling partial conversions over multiple years. The sections that follow describe how each tool handles scenario generation, basis-aware modeling, and the practical steps needed to produce client-ready Roth conversion planning materials.
Roth conversion software for multi-year conversion planning, basis tracking, and scenario comparison
Roth conversion software supports modeling a traditional IRA to Roth IRA conversion by converting partial or full amounts into projected taxable income outcomes across future years. Holistiplan is built around IRA basis tracking that stays consistent during partial conversion planning across a multi-year window.
Other tools in this guide also focus on repeatable scenario comparison, including multi-year Roth conversion scenario comparisons that tie conversion assumptions to projected results. The best workflows connect household context and conversion inputs to tax output that teams can reuse without rekeying assumptions each time.
Roth conversion planning features that change scenario accuracy
Scenario comparison only works when assumptions stay locked across runs, because small input drift changes taxable income projections and the marginal tax rate impact. The strongest products make it easy to rerun the same multi-year plan with different conversion amounts, while keeping the IRA basis logic consistent.
Roth conversion workflows also need controllable basis tracking for partial conversions, because the pro rata rule depends on basis allocations across trad IRA holdings. The tools below separate client-ready output structure from setup effort so teams can produce repeatable Roth conversion calculator results with fewer rekeying steps.
IRA basis tracking that survives partial conversion planning
Holistiplan keeps IRA basis handling consistent while modeling partial conversions across a multi-year window. Retirement Target Planner also ties IRA basis tracking to multi-year runs so inherited IRA conversion scenarios remain coherent.
Multi-year scenario comparison tied to household context
eMoney runs multi-year Roth conversion scenario comparisons tied to household account context so advisors can reduce manual rekeying from imports. Boldin produces scenario comparison outputs that keep conversion assumptions aligned to projected tax outcomes year over year.
Repeatable scenario outputs designed for client-ready reviews
Boldin structures outputs for client-facing tax planning reviews so scenario packets stay consistent. Holistiplan supports iterative conversion planning with multi-year scenario comparison when assumptions need to stay controlled between runs.
Workflow coverage for conversion-year planning and scenario testing
Fidelity Roth IRA Conversion Calculator focuses on Fidelity-integrated conversion planning flow and uses scenario comparison to test partial conversion amounts. Vanguard Roth IRA Conversion Calculator maps conversion inputs to tax estimates in a guided pass for quick scenario checks within its calculator scope.
Assumption configuration controls for scenario authorship governance
RetireReady Solutions includes assumption configuration controls so scenario authors standardize inputs before comparing outputs. Holistiplan emphasizes IRA basis tracking consistency across partial conversions instead of centering governance controls.
Inherited IRA conversion analysis with constraints inside the same run
Retirement Target Planner includes inherited IRA conversion analysis with year-by-year tax outcomes and constraints built into the same planning run. Other tools in this set prioritize standard trad IRA to Roth conversion modeling rather than inherited constraints.
How to choose Roth conversion software for repeatable multi-year planning
The selection starts with where assumptions come from and how teams keep them consistent across runs, since the accuracy of Roth conversion calculator workflows depends on repeatability. The next decision point is basis handling behavior during partial conversion planning, because pro rata outcomes require correct IRA basis allocations.
A third decision point is integration depth, because teams that rely on custodian data import automation and API surface will spend less time on manual setup. Tools that do well with imported household data can still fall short when firms need deeper automation for scenario generation.
Choose based on how partial conversion basis logic must persist
If partial conversion modeling across multiple years must keep IRA basis consistent during scenario edits, Holistiplan is built around that behavior. If inherited IRA conversion analysis needs year-by-year tax outcomes and constraints tied to the same planning run, Retirement Target Planner fits the inherited workflow.
Choose based on where household context comes from
If household account context is imported and scenario outputs must attach to that imported context, eMoney supports that import-to-scenario workflow. If the workflow starts from standardized scenario packets with structured assumptions, Boldin is designed for scenario comparison outputs year over year.
Choose based on how much scenario governance controls matter
If an advisory team needs assumption configuration controls so different scenario authors cannot drift inputs, RetireReady Solutions provides assumption configuration standardization across runs. If the main priority is basis-aware multi-year modeling with controlled assumptions rather than author governance, Holistiplan emphasizes basis tracking consistency.
Choose based on integration and automation expectations
If teams expect deeper custodian data import automation and prefer an automation-first integration surface, Holistiplan has limited import automation depth versus institutional tools. If automation and API extensibility are not central and quick scenario output speed matters, Fidelity Roth IRA Conversion Calculator and Vanguard Roth IRA Conversion Calculator focus on guided conversion-year comparisons within their calculator scope.
Choose based on your need for scenario engine custom modeling
If custom tax stack modeling beyond the calculator scope is required, Fidelity and Vanguard calculators are positioned for conversion-year tax effects rather than advanced multi-lever stacks. If scenario authors need broad tax coverage but can manage input hygiene, ProjectionLab supports broad tax law coverage with careful inputs and limited custom integration depth.
Choose based on setup burden tolerance for basis inputs and household complexity
If accurate IRA basis inputs are available and households are standardized, Boldin produces consistent multi-year scenario runs with minimal rekeying. If imported data is partial or household assumptions vary widely, tools like eMoney can reduce rekeying but still require careful tax calculation setup assumptions to match firm practice.
Who Roth conversion software buyers should buy for
Roth conversion software fits teams that must produce repeatable Roth conversion calculator outputs across multiple years with consistent assumptions. It also fits governance-heavy advisory groups where basis tracking and scenario configuration discipline prevent scenario drift.
The tools below align to different operating models, including household import workflows, scenario packet generation, and inherited IRA conversion planning runs.
Advisory teams building multi-year Roth conversion scenario packets
Boldin generates scenario packets with conversion assumptions kept consistent across tax years and structured for client-facing tax planning reviews.
Advisory teams that must preserve IRA basis logic during partial conversions
Holistiplan keeps IRA basis tracking consistent during partial conversion planning across a multi-year window so scenarios remain accurate when conversion amounts change.
Firms that start planning from imported household data
eMoney reduces manual rekeying by tying multi-year Roth conversion scenario comparisons to imported household account context.
Teams that plan for inherited IRA conversion outcomes with constraints
Retirement Target Planner includes inherited IRA conversion analysis with year-by-year tax outcomes and constraints in the same planning run.
Advisory groups that need assumption standardization across scenario authors
RetireReady Solutions uses assumption configuration controls so scenario authors can standardize inputs and compare outputs without drifting assumption sets.
Common Roth conversion planning mistakes when selecting and configuring software
The most frequent planning failures come from assumption mismatch and basis handling errors rather than from missing output charts. Conversion-year outcomes break down when input assumptions do not reflect firm practice or when basis inputs are incomplete for partial conversion modeling.
Another recurring mistake is choosing a calculator workflow when advanced planning requires deeper model depth, because scenario comparisons can only be as accurate as the underlying tax levers represented in the tool.
Using multi-year scenario comparisons while letting IRA basis tracking drift during partial conversion edits
Holistiplan is designed so IRA basis handling stays attached during partial conversion planning across a multi-year window, which reduces scenario drift risk.
Assuming household imports automatically produce correct tax setup assumptions for the firm
eMoney supports household data imports, but tax calculation setup still needs careful assumptions to match firm practice so projections do not diverge from internal methods.
Treating quick conversion-year calculators as replacements for household-level planning and cross-account aggregation
Fidelity Roth IRA Conversion Calculator and Vanguard Roth IRA Conversion Calculator prioritize conversion-year scenario comparisons and do not center household-level planning depth or cross-account aggregation.
Underestimating the setup discipline needed for accurate IRA basis inputs
Boldin produces reliable conversion outcomes only when IRA basis inputs are accurate, and more complex households can take time to standardize assumptions.
Relying on broad tax law coverage without enforcing input hygiene and scenario author controls
ProjectionLab supports broad tax law coverage but requires careful input hygiene, while RetireReady Solutions includes assumption configuration controls to standardize inputs across runs.
How We Selected and Ranked These Tools
We evaluated Roth conversion scenario comparison accuracy, multi-year repeatability, and basis handling behavior during partial conversions. Features weighted at 40% and ease of producing consistent outputs weighted at 30%, and value weighted at 30% based on how much manual rekeying the workflow avoids.
Holistiplan set the ranking bar with IRA basis tracking that remains consistent when modeling partial conversions across a multi-year window, which supported iterative conversion planning without scenario drift. We also measured how each tool presents outputs for conversion planning workflow use, including whether scenario comparisons stay tied to household context or require heavy assumption rework.
Frequently Asked Questions About roth conversion software
How does IRA basis tracking differ between Holistiplan, Retirement Target Planner, and ProjectionLab?
Which tool produces scenario comparisons that are tied to household portfolios, not just input fields?
How does data import affect repeated Roth conversion planning runs in Boldin and RetireReady Solutions?
What breaks if a household needs inherited IRA conversion analysis but the selected software focuses on standard conversion planning?
When does tax projection output include estimated tax handling versus only effective tax impact?
Which option is better for advisor teams that need standardized assumption configuration across scenarios?
How do multi-year conversion paths and partial conversion modeling differ across tools?
Which tool best fits when the workflow requires a retirement-account specific calculator path inside a custodian-branded experience?
What security and access control expectations should guide software selection for SSO and admin control needs?
Tools reviewed
Primary sources checked during evaluation.
Referenced in the comparison table and product reviews above.
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