GITNUXSOFTWARE REVIEW
Finance & Financial ServicesTop 8 Best Roth Conversion Software of 2026
Compare roth conversion software tools for planning and executing Roth IRA conversions, with use-case notes for tax and reporting workflows.
How we ranked these tools
Vendors set the topic, but our editors set the inclusion criteria and the evaluation framework before research starts.
Search agents gather the source set and the review record, including transcriptions of video reviews and podcasts.
Framework: Features 40% · Ease 30% · Value 30%
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RightCapital is the best overall pick for advisors who need Roth conversion scenarios to stay linked to the same multi-year retirement cash-flow assumptions used in reporting, since its scenario generation ties timing and amounts to that core model, whereas Holistiplan suits teams that want repeatable multi-year comparisons with consistent IRA basis handling.
Editor’s top 3 picks
Three quick recommendations before you dive into the full comparison below — each one leads on a different dimension.
RightCapital
Scenario generation ties Roth conversion timing and amounts to the same retirement cash-flow projection used for reporting.
Best for: Fits when advisors need scenario-based Roth conversion planning inside multi-year household projections.
eMoney
Editor pickMulti-year Roth conversion scenario comparisons tied to household account context for client-ready outputs.
Best for: Fits when advisor teams need repeatable Roth conversion scenarios from imported household data.
Holistiplan
Editor pickIRA basis tracking that remains consistent when modeling partial conversions across a multi-year window.
Best for: Fits when advisory teams need repeatable multi-year Roth conversion scenarios with controlled assumptions.
Comparison Table
RightCapital
enterpriseFinancial planning software with retirement projections and Roth conversion scenario analysis.
Scenario generation ties Roth conversion timing and amounts to the same retirement cash-flow projection used for reporting.
RightCapital focuses on conversion planning inside a broader retirement projection model, so Roth conversion estimates stay tied to household cash flow assumptions instead of living as a standalone calculator. The core workflow supports creating multiple plan scenarios, adjusting conversion amounts and timing, then reviewing the tax impact in the context of retirement income and account balances. This fit works best for advisors who want consistent conversion assumptions across quarterly planning and who need scenario outputs to be shareable with clients and internal teams. The tool’s strength is producing conversion-aware projections that can be regenerated after assumption changes without rebuilding the scenario from scratch.
A key tradeoff is that RightCapital’s Roth conversion planning depth depends heavily on the completeness and accuracy of the household inputs used to project taxable income and account flows. If a planning session is missing data like existing account basis or detailed cash-flow drivers, the software can still model scenarios but the results can be less decision-grade. A strong usage situation is preparing recurring client reviews for households considering a partial conversion now while also planning for future bracket management decisions. Another usage fit is running divorce and settlement planning scenarios where conversion timing and cash-flow changes must stay consistent across multiple iterations.
- +Roth conversion results remain linked to multi-year retirement cash flow assumptions
- +Scenario comparisons support rapid side-by-side planning during client conversations
- +Conversion planning outputs work for recurring client review workflows
- +Household-level modeling supports complex life changes and timing iterations
- –Conversion accuracy is constrained by how complete account and income inputs are
- –Advanced planning requires disciplined assumption management across iterations
- –Scenario setup takes longer than standalone Roth calculators for quick estimates
Revenue and retirement advisors
Compare partial conversions across retirement timelines
Comparable strategy scenarios for client review
Planning teams and paraplanners
Regenerate conversion reports each quarter
Repeatable client documentation
Show 2 more scenarios
Divorce financial planners
Model conversion tradeoffs after settlement changes
Case-ready settlement planning scenarios
Iterate post-divorce cash-flow and account assumptions to see how conversion timing affects outcomes.
Advisor teams in protection planning
Coordinate conversion planning with household risk
Quantified gaps for planning discussions
Tie conversion scenarios to household assumptions so income and survivor planning discussions share context.
Best for: Fits when advisors need scenario-based Roth conversion planning inside multi-year household projections.
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.
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.
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.
- +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.
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.
- +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
Pre-retirees and planners
Compare partial conversion strategies over years
Clear strategy tradeoffs
Retirees and advisors
Test withdrawals alongside conversions
Reduced shortfall risk
Show 2 more scenarios
Families and goal planners
Stress test cash flow goals
Plan sufficiency visibility
Simulate how conversions affect long-term funding needs like education and major purchases.
Couples and retirement advisors
Coordinate benefits with conversions
Benefit-driven timing clarity
Evaluate claiming decisions and spousal coordination by projecting benefit income within household cash flow timelines.
Best for: Fits when household-level Roth conversion scenarios need repeatable multi-year projections and basis-aware comparisons.
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.
- +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
Vanguard account holders
Estimate taxes for partial conversion
Tax effect estimate
Pre-retirees planning conversions
Compare full versus partial conversions
Conversion decision support
Show 2 more scenarios
Tax-aware financial planners
Quantify conversion consequences quickly
Consistent planning outputs
Use the calculator’s federal logic to generate planning outputs tied to common conversion tax metrics.
IRA owners managing timing
Reassess conversions by scenario
Scenario-based planning
Adjust conversion timing and assumptions to compare projected tax effects across alternative planning runs.
Best for: Fits when Vanguard customers need a quick conversion tax estimate for one or two scenarios.
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.
- +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
Fidelity IRA owners
Plan partial Roth conversions
Clear conversion mapping
Retirees planning timing
Compare conversion years for tax impact
Year-by-year comparison
Show 2 more scenarios
Financial advisors at Fidelity
Support client conversion strategy
Client-ready estimates
Use the Fidelity workflow outputs to communicate estimated tax impact tied to account context and assumptions.
Pre-retirees rethinking strategy
Iterate multi-year conversion plans
More informed iteration
Use the planner to compare different conversion amounts across multiple years by repeating planning runs.
Best for: Fits when Fidelity customers need quick Roth conversion scenario comparisons without building a custom tax model.
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.
- +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
Retirees using custodial data
Build conversions from imported holdings
Data-grounded planning
Tax-focused planners
Track basis for pro rata handling
Basis-aware projections
Show 2 more scenarios
Families planning cash flow
Compare bracket pressure by year
Bracket impact visibility
View year-to-year changes in projected taxable income and bracket pressure produced by each conversion plan.
Wealth teams and advisors
Standardize assumptions across scenarios
Consistent scenario runs
Apply configuration controls so assumptions stay consistent while scenario comparison evaluates conversion tax outcomes.
Best for: Fits when an advisory team needs multi-year Roth conversion scenarios with basis-aware handling and consistent assumptions across runs.
Conclusion
After evaluating 8 roth conversion software, RightCapital 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.
Frequently Asked Questions About Roth Conversion Software
How do Roth conversion scenario comparisons differ across Holistiplan, RightCapital, and ProjectionLab?
Which tools support IRA basis tracking when modeling partial conversions over multiple years?
How do these tools handle custodial data import and reduce re-keying work?
Which integration approach works better for planning and reporting pipelines in advisor workflows?
What security controls matter for Roth conversion software used by multiple staff roles?
What breaks if upstream IRA data inputs are incomplete or inconsistent across scenarios?
How do tools differ in handling tax withholding and estimated tax payment timing within multi-year projections?
Which workflow fits a quick single-custodian Roth conversion estimate rather than a full multi-year strategy?
When does SECURE 2.0-related retirement rule modeling become necessary for conversion planning tools?
Tools reviewed
Primary sources checked during evaluation.
Referenced in the comparison table and product reviews above.
How to Choose the Right Roth Conversion Software
Options differ mainly in how they turn your inputs into a conversion plan and reporting you can use. We prioritize inputs-to-outputs reliability, especially around how the tool handles forms and documentation with each “what-if” run.
Conversion scenario input coverage
Why it matters
Conversion scenario input coverage determines whether the tool can model the cases people actually try, like rolling in balances or choosing a specific conversion amount. If key fields are missing, the results won’t match your real Roth conversion choices.
How to check
In a demo, enter an IRA balance, select a conversion amount, and vary it across two runs. Ask whether it supports the most common choice patterns you see on lists of Roth conversion software workflows (single conversion vs multiple conversions) and what assumptions it makes when fields are blank.
Tax form output and documentation
Why it matters
Tax form output and documentation matters because Roth conversions often require specific reporting, and you need outputs you can reconcile. If the tool can’t point you to what to copy to your filings, the analysis becomes harder to use.
How to check
Run a conversion scenario and request any generated form-related views or exportable worksheets. Confirm what it uses to support the entries and whether you can produce a paper trail for your accountant by scenario.
Assumption transparency in projections
Why it matters
Assumption transparency in projections is what keeps “what-if” analysis from drifting away from reality. You want to see which inputs drive taxable outcomes instead of treating results as black-box guesses.
How to check
Change one assumption at a time (for example, income level or conversion amount) and compare which lines update. Ask the tool to show its intermediate outputs so you can verify that the logic ties back to your inputs.
IRA basis and tracking behavior
Why it matters
IRA basis and tracking behavior affects accuracy when you have non-Roth after-tax amounts or more than one IRA. Bad tracking can distort the economics of a conversion plan.
How to check
Provide a scenario with a non-zero after-tax basis and run the conversion twice with different amounts. Ask how it remembers prior basis inputs across runs and where you can audit the calculations behind the outcome.
Multiple plan comparison views
Why it matters
Multiple plan comparison views help you evaluate tradeoffs between conversion sizes and timing without losing context. If comparisons don’t preserve key deltas, you can’t make a decision with confidence.
How to check
Create at least two scenarios and compare them in the interface or export. Check whether it highlights which inputs changed and whether the output summary stays consistent across runs.
Red flags
- Results change without showing which inputs or assumptions moved
- Form-related outputs can’t be reconciled to scenario inputs
- Basis or prior-year inputs don’t persist or are hard to audit
Fit by situation
- If you plan one conversion this year, prioritize Conversion scenario input coverage so the model matches your amount choice and account balances.
- If you need to hand results to a tax preparer, prioritize Tax form output and documentation for scenario-level traceability.
- If you’re comparing different conversion amounts, prioritize Multiple plan comparison views so deltas are clear across runs.
Funding and competing interests
This study was co-funded by several of the vendors assessed in it. No single vendor funded it. Funders could propose the market studied.
They had no role in selecting vendors, setting or weighting criteria, analysing data or drawing conclusions, and they received the same factual-accuracy check as every other vendor assessed.
Market definition, inclusion rules and criteria weights were fixed by an editor before research began and did not change afterwards. Editorial process →
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