Larson Financial Holdings

Tax Bracket Optimizer

Compare pre-tax, Roth, and conversion strategies to minimize your lifetime tax burden.

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Marginal (top) bracket: —
Effective rate: —
Est. federal tax: —

Pre-tax contribution
401(k) / Traditional IRA — reduces taxable income now, taxed at withdrawal
Tax this year
—
after contribution
Roth contribution
Roth 401(k) / Roth IRA — no deduction now, but all growth and withdrawals tax-free
Tax this year
—
no change from baseline
Roth conversion
Convert traditional IRA / 401(k) to Roth — pay tax now, eliminate future RMDs
Tax this year
—
includes conversion tax cost
Tax breakdown — pre-tax strategy
Gross income—
Total pre-tax contributions—
Standard deduction (2024)—
Taxable income—
Federal income tax—
Effective tax rate—
Roth conversion analysis
Current traditional balance—
Conversion amount—
Tax cost of conversion (today)—
Tax saved in retirement (est.)—
Net lifetime benefit of converting—

Get a personalized tax strategy from a Larson advisor

The right mix of pre-tax, Roth, and conversions depends on your full financial picture — income trajectory, estate goals, and retirement timeline.

This calculator uses 2024 federal tax brackets and standard deductions. It does not account for state income taxes, FICA, AMT, income phase-outs, IRS contribution limits, or all aspects of the tax code. Results are illustrative only and do not constitute tax or financial advice. Consult a qualified Larson financial advisor or licensed tax professional before making contribution or conversion decisions. Larson Financial Holdings is a registered investment advisor.