Family Tax Rate Calculator
Calculate the true combined tax burden of your IRA across your lifetime and your heirs'. See how a Roth conversion changes the math.
Your Information
Your Family Tax Burden
Your Estimated Lifetime Tax on RMDs
$261,500
Heirs' Estimated Tax on Inherited IRA
$130,363
Split among 2 heirs over 10-year rule
Total Combined Family Tax Burden
$391,863
Family Tax Rate: 78%
Traditional IRA Path
78%
Family Tax Rate
Roth Conversion Path
22%
Effective Rate
A Roth conversion could reduce your family's tax burden by $281,863
Your family's combined tax exposure is $391,863 — a 78% Family Tax Rate.
See what a Roth conversion would cost vs. what it would save across generations.
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