Am interested if anyone has come across an online estimator as to timing of a conversion to a Roth IRA. Given uncertainties around (future) marginal tax and interest rates, it seems a good niche for some AI supported output.

Here is what i see as base inputs :

- age
- filing status
- estimated year to start SS income
- past year taxable income
- estimated forward year(s) taxable income
- current state rate for taxable income

My understanding is that this type of feedback should be independent of any existing Roth amount. However, it is interesting to note there is some mix of investment professionals who have fled to PR believing, among other things, a retrospective tax on Roth IRA will inevitably follow the new 10yr withdrawal rules for inheritors.