Roth Math Pro · Bedrocka Tools
Roth math without the
financial-advisor pitch.
Most Roth conversion tools online are run by brokerage firms, tax prep services, or financial planners with a commission on the answer. This site is the opposite: every formula is open-source, every assumption cites the primary source (IRC §408A, §408(d)(2), IRS Publication 590-B, SSA IRMAA tables), and every tool is reviewed by a named operator. Built for pre-retirees, mid-career professionals, and self-employed operators navigating Roth conversion timing, backdoor Roth pro-rata strategy, IRMAA lookback planning, and RMD avoidance under the OBBBA-extended bracket structure.
Calculators
Pick the Roth math you actually need.
Learn
Concepts behind the Roth math.
Roth Conversion
Roth conversion: when it actually pays under 2026 OBBBA brackets
Pre-OBBBA, the conversion pitch was 'convert before 2026 brackets snap back.' OBBBA killed that argument. The real case for a Roth conversion in 2026+ is more boring and more durable: IRMAA tier management, RMD avoidance, and the heir-inheritance step-up in basis interaction.
Backdoor Roth
The backdoor Roth pro-rata rule: why most calculators get it wrong
The pro-rata rule aggregates ALL your traditional, SEP, and SIMPLE IRA balances. Convert $7K of after-tax contributions when you have $93K of pre-tax IRA balance, and 93% of the conversion is taxable. Most backdoor Roth calculators miss this. Here's the math + the workarounds.
What makes this different
Three things every Bedrocka Tools site does that the brokerage-calc mills don't.
Open-source math
Every calculator's formula is published as TypeScript with Vitest tests in a public repo. Click "View source" in any math accordion to see the actual implementation. Most brokerage-firm Roth calculators hide their math; we publish ours.
Browse the math →Primary-source citations only
Every conversion limit, IRMAA threshold, and bracket boundary links to the original document — IRC §408A, §408(d)(2), IRS Publication 590-B, Form 8606 instructions, SSA IRMAA tables. Named-expert authority from Slott, Kitces, Levine, Pfau, and Piper. The citation is the proof.
Read the methodology →Named operator, no commission
Reviewed and signed by Byron Malone— operator-author since 2018, who has modeled these exact conversion decisions on his own accounts. Not a brokerage firm. Not a financial planner with a commission. YMYL-Tax content is CPA-reviewed before publication per editorial-standards Section 7.
Read Byron's bio →Bedrocka Tools family
Roth Math Pro is Site #6 in the Bedrocka Tools portfolio. For the broader self-employment finance picture — Solo 401(k) vs SEP-IRA, LLC vs S-Corp election, QBI deduction — visit soloopfinance.com (Site #4, Solo Operator Finance Hub). Same doctrine, different depth. Each site is individually source-cited and quarterly reviewed.
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