Strategize the Roth conversion. Get ahead of future RMDs.
Show a client exactly how much to convert this year — modeled against the brackets they have left, the IRMAA thresholds, net investment income tax, and the future RMDs that would otherwise force higher-taxed withdrawals later. One tool replaces the fragile spreadsheet you rebuild for every client: faster, more consistent, and clean enough to hand a client or a CPA. The math is deterministic and runs on your own machine — no AI, no shared server.
Built by Piotr Nalepa, EA — a practicing Enrolled Agent, twenty years in tax practice.
- $49.99 · one time
- No spreadsheet per client
- Deterministic math — no AI
- Runs on your machine
- White-label deliverable
What you're actually buying.
The right amount to convert
Model how much to convert this year against the brackets the client has left, the next IRMAA threshold, and net investment income tax — with future RMDs in view, so converting now eases the forced, higher-taxed withdrawals later. The parts of a Roth decision a flat tax estimate misses.
One tool, not a spreadsheet per client
Stop rebuilding a fragile, hand-keyed Excel for every client. One calculator runs the analysis the same way every time — faster, cleaner, and far less error-prone than a workbook you maintain and re-check by hand.
Math you can stand behind
Every figure comes from deterministic, rule-based tax math running on your own machine — no AI guesswork, and no shared server crunching your client's numbers. Results you can verify line by line, defend, and confirm with a CPA.
A branded deliverable in minutes
It reads the prior-year 1040 so you're not retyping, then produces a white-label report a client or CPA can actually read — your firm's logo and name throughout, only the software copyright ours.
From a PDF to a conversion plan in three steps.
- 01
Drop in a prior-year 1040
Drop a text-based 1040 PDF onto the import area; it reads about seventeen income and deduction lines.
- 02
Review & confirm what it read
A Review & Confirm panel shows every value read, with a confidence flag; four sensitive fields never auto-commit.
- 03
Model the conversion
See bracket headroom, the next IRMAA tier, and the NIIT interaction — then generate a branded report.
A report your client can actually read.
Every analysis generates a clean, side-by-side report — convert nothing, convert a chosen amount, or fill the bracket — with the full tax cost of each. It’s generated locally and carries your firm’s branding throughout.
Works with the returns you already produce.
The importer reads text-based 1040 PDFs printed by major preparation software. CCH Axcess is verified end-to-end; Drake and FreeTaxUSA are tested. Returns from other vendors still import — anything the importer is less sure about is routed to the Review & Confirm panel rather than committed silently. Scanned or image-only PDFs and pre-2020 returns are out of scope.
CCH Axcess, Drake, UltraTax, Lacerte, ProSeries, TurboTax and FreeTaxUSA are trademarks of their respective owners. Nalepa Labs is not affiliated with, endorsed by, or sponsored by any of them.
Built so the return never leaves your machine.
This is the whole point of the tool, and it is architectural — not a policy promise.
How your data is handled- Parsed in your browser
- The PDF is read by code running on your own machine. It is never sent to a server — there is no server. Once you have the file, it runs with the network turned off.
- Only figures are read
- The importer matches dollar amounts against standard 1040 line numbers. Identifiers like Social Security and EIN numbers don't match that pattern, so they are never pulled into the tool.
- Nothing is stored remotely
- The only thing saved locally is your acceptance of the license terms. Close the tab and the return data is gone — there is no account and no cloud copy.
- A real assent record, kept locally
- Because there's no server to log to, your acceptance of the license is recorded on your machine and stamped into the footer of every report the tool generates.
- Deterministic math, not AI
- The numbers come from rule-based tax math you can audit line by line — not an AI estimate, and not a shared server computing your client's return. It runs on your machine, the same way every time, so the result is one you can defend.
Who it's for.
- 01Financial advisors who want to run the Roth conversion themselves and simply confirm the tax detail with a CPA.
- 02CPAs asked by a client — or the client's advisor — to produce a clear, defensible conversion analysis.
- 03Proactive CPAs who'd rather bring clients the right move than wait to be asked for it.
- 04CPAs and EAs moving into advisory and consulting, who need a fast, professional planning deliverable to lead with.
One tool. One price.
Buy it once and use it every planning season. No subscription, no per-return fee, no account to manage.
No subscription. No per-return fee. Pay once, use it every planning season.
- The full Roth Conversion Calculator, as a single self-contained file
- All 2026 tax-year updates included
- White-label — your firm's logo, name, and report by-line throughout
- Runs offline on your own machine; the client's return is never uploaded
Secure checkout via Stripe
Updates for later tax years are a small one-time fee — only if and when you want them. All sales are final. No refunds.
Outfitting a whole firm or want multiple seats? Tell us about your practice and we'll set you up. Contact us.
- How do I get it, and what does $49.99 include?
- It's a one-time $49.99 purchase. You get the full calculator as a single self-contained file you run locally, white-labeled for your firm, with all 2026 tax-year updates included. There's no subscription and no per-return fee. Updates for later tax years are a small one-time fee. All sales are final — no refunds.
- How does this help with future RMDs?
- Roth conversions move money out of accounts that will later be subject to required minimum distributions. By modeling how much to convert now — against the current brackets, IRMAA, and net investment income tax — you can deliberately shrink those future RMDs and the higher-bracket taxes they can trigger. The tool shows the trade-off so the client converts the right amount, not a guess.
- Does it use AI, or send my client's data to a server to do the math?
- Neither. The calculations are deterministic, rule-based tax math that runs entirely in your browser, on your machine. There is no AI estimating the numbers and no shared server doing the work — so results are consistent and auditable, and the client's data never leaves your computer.
- Does the client's 1040 get uploaded anywhere?
- No. The PDF is parsed by code running in your browser. There is no server to upload to, and the tool runs with the network disconnected.
- Is this tax advice?
- No. The calculator is a planning tool for professionals. It shows the numbers; the professional makes the call. On-screen disclaimers say so, and use is governed by the end-user license.
- Which tax software does the importer support?
- CCH Axcess is verified; Drake and FreeTaxUSA are tested. Other vendors import too, with less-certain fields sent to a review panel. Scanned/image PDFs and pre-2020 returns aren't supported.
- Can I put my own firm's branding on it?
- Yes. The tool is white-label — your logo, firm name, and report by-line throughout. Only the underlying software copyright remains ours.
Make the Roth conversion call with confidence.
One tool, $49.99, yours every planning season — a clear, branded answer for the client, deterministic math you can defend, and nothing leaving your machine.