Roth Conversions Optimizer.
For your AI agent

Analyze with
Claude or ChatGPT.

Add Roth Conversions Optimizer to Claude or ChatGPT and ask about your conversions in plain words. The analysis comes back as cards in your chat.

  • The real math, not a guessYour agent runs the same multi-year optimizer as this site, with 2026 federal and state brackets, RMDs, IRMAA and ACA subsidies.
  • Results right in the chatYour scenario, the conversion schedule and what-if comparisons appear as cards, with a link to the full analysis here.
  • Private, no account neededIt only sees the numbers your agent sends, never your chat history. Sign in only if you want to save scenarios.
Connect your agentAsk your agent
Example chat in Claude or ChatGPT

I'm 60, married, earning $120k in California with $900k in my 401(k). I'm going part-time next year, then retiring to Arizona at 63. Should I look at Roth conversions?

Used Roth Conversions Optimizer
Estimated lifetime tax savings$36,990In today's dollars, compared with not converting
Converted$345K
Tax cost$46,566
Years14
Total converted: $344,500Most savings
$0$900K, your whole balance
Other incomeRequired withdrawalRoth conversionRoom left in bracket
$0$100K$200K$300K$400K
Convert
Tax
2026202720282029203020312032203320342035203620372038203920402041204220432044204520462047204820492050205120522053205420552056
$0
$5.1K
$0
$87.5K
$87.5K
$30.9K
$20.6K
$20.6K
$15.4K
$15.4K
$15.4K
$15.4K
$15.4K
$5.1K
$0
$0
$0
$0
$0
$0
$0
$5.1K
$0
$0
$0
$0
$0
$5.1K
$0
$0
$0
$0
$612
$0
$10.2K
$10.2K
$3.4K
$2.2K
$2.2K
$1.6K
$1.6K
$1.6K
$1.6K
$1.6K
$510
$0
$0
$0
$0
$0
$0
$0
$510
$0
$0
$0
$0
$0
$510
$0
$0
$0
0% ($32K)10% ($57K)12% ($133K)22% ($244K)24% ($436K)

Based on your inputs, the analysis spreads conversions over 14 years and keeps them in the 10% and 12% brackets. Want to compare retiring at 65?

Set it up

Connect in three steps.

If your agent asks for a server URL, use this one:

https://mcp.rothconversionsoptimizer.com/mcp

Claude

  1. 01In Claude, open Settings, then Connectors.
  2. 02Search for Roth Conversions Optimizer and select Connect. If it isn't listed yet, choose Add custom connector and paste the server URL.
  3. 03Start a chat and ask about Roth conversions.

ChatGPT

  1. 01In ChatGPT, open Settings, then Apps.
  2. 02Search for Roth Conversions Optimizer and connect. If it isn't listed yet, turn on Developer mode in the advanced settings, create an app and paste the server URL.
  3. 03Start a chat and mention the app by name, or just ask about Roth conversions.
Things to ask

Start with your numbers.

  • “I'm 58, married, earn $140k, have $900k in a traditional IRA and plan to retire at 62. Should I look at Roth conversions?”
  • “What if I retired at 65 instead, or moved from California to Nevada?”
  • “How does the optimizer decide how much to convert each year?”
  • “Save this scenario so I can come back to it.”

What the tools do

  • Prepare a scenarioChecks the details you've given so far, shows a summary and lists anything still missing.
  • Analyze Roth conversionsRuns the multi-year optimizer and returns the conversion schedule, estimated lifetime tax savings and tradeoffs.
  • Compare Roth conversion scenariosRuns a what-if (retire later, different income, spending or returns) next to your scenario.
  • Get tax bracketsLooks up federal and state brackets for a filing status and year.
  • Explain the methodologyExplains how the analysis works and what it assumes.
  • Save a scenarioSaves a scenario to your account. Needs sign-in.
  • List saved scenariosLists scenarios you've saved. Needs sign-in.
  • Open a saved scenarioLoads a saved scenario so you can pick up where you left off.
  • Send feedbackSends your feedback or ideas to the developer, only when you ask.
  • Report a problemSends a description of something that went wrong, only when you ask.

The analysis tools are read-only. Save a scenario only changes your own account, and the feedback tools only send what you ask them to send.

Signing in

You only need to sign in to save, list or open saved scenarios. The first time you ask to save, Claude or ChatGPT shows a sign-in prompt. Scenarios saved from a chat also appear on My scenarios on this website.

Usage limits

To keep the service available for everyone there is a daily limit on new analyses. Signed-in accounts get a higher limit. Recording a scenario, looking up brackets and reading the methodology don't count.

Troubleshooting

  • The agent doesn't use the app. Mention Roth Conversions Optimizer by name, and check the connector is turned on for the chat.
  • No result cards appear. Some apps and surfaces show text only. The numbers are the same, and each result includes a link to the full interactive analysis on this website.
  • Sign-in fails or loops. Disconnect the app, connect it again and retry. If it still fails, email support@rothconversionsoptimizer.com.
  • The daily limit is reached. Sign in for a higher limit, use the calculator on this website, or try again tomorrow.

Privacy

The app only receives the scenario values the agent sends for each request. It never reads your conversation history. See the Privacy Policy.