About Roth Math Pro

Who runs this

Roth Math Pro is a Bedrocka Tools property, operated by Bedrocka Ventures LLC — an AI-native holding company based in Chicago. This site lives at rothmathpro.com and covers one thing in depth: the math of Roth conversions. That includes traditional-to-Roth conversion tax impact under IRC §408A, backdoor Roth pro-rata mechanics under IRC §408(d)(2), Medicare IRMAA surcharge lookback planning, SECURE 2.0 RMD age interaction (IRC §401(a)(9)), and multi-year Roth ladder construction for pre-retirees and mid-career operators in lower-income windows.

Its sister site, soloopfinance.com, is the broader self-employment finance hub — Solo 401(k) vs SEP-IRA, LLC vs S-Corp, QBI deduction strategy. Roth Math Pro goes deeper on the Roth-specific axis for users who have already made their plan-type decision and are now managing the conversion decision. Same doctrine, different depth. Both sites are source-cited, reviewed quarterly, and corrected immediately when the underlying tax code or IRS guidance changes.

Why Roth math needs its own site

Roth conversion math is genuinely complicated. The IRC §408A / §408(d)(2) interaction (pro-rata rule) trips up most people who do backdoor Roth contributions without tracking their traditional IRA basis on Form 8606. The IRMAA lookback means a conversion in Year 1 can raise your Medicare Part B and D premiums in Year 3. The OBBBA (One Big Beautiful Bill Act, signed July 4, 2025) permanently extended the TCJA bracket structure — the scheduled 2026 bracket cliff back to pre-2017 rates did not happen, which eliminates the "convert before 2026" urgency argument most advisors were using. The conversion case now centers on IRMAA management, RMD avoidance for heirs, and bracket management in deliberate lower-income windows.

Most online Roth calculators ignore the pro-rata rule, ignore IRMAA, and were built when the 2026 cliff was still scheduled. This site addresses all three. The calculators cite IRC §408A, §408(d)(2), IRS Publication 590-B, and the SSA IRMAA tables directly — not summaries of those sources.

The named experts whose work informs this site's positioning: Ed Slott(irahelp.com), America's IRA Expert, on Roth conversion mechanics and inherited IRA strategy; Michael Kitces (kitces.com), CFP, on IRMAA-aware Roth conversion sequencing; and Jeffrey Levine(Buckingham Wealth Partners + Kitces.com), Lead Financial Planning Nerd, on SECURE Act 2.0 RMD interaction with Roth conversion timing. Their published research is the baseline against which this site's methodology is checked. See editorial standards for the full named-expert citation policy.

The human behind it

Byron Malone is the founder and editor. He has been a solo operator since 2018 — running consulting engagements, then building Bedrocka Ventures and its portfolio companies as a single-member LLC operator. That means he has modeled the same decisions this site covers: when a Roth conversion makes sense in a lower-income year, how to structure a multi-year Roth ladder before RMDs begin, and how the pro-rata rule can quietly destroy the tax math on a backdoor Roth contribution if you hold traditional IRA assets.

Roth conversion math is its own beast — separate from general retirement savings math. Most self-employed retirement content treats the Solo 401(k) contribution decision as the end of the story. It isn't. The conversion decision comes after the accumulation decision, often in a different tax year and a different income bracket. Byron built this site because the public internet's version of that math — thin lead-capture tools built by brokerage firms with a commission on the answer — wasn't good enough.

Bedrocka Tools is built natively on AI automation with documented human review at every step. Byron leads editorial direction on Roth and IRA mechanics content. For regulated YMYL-Tax content (conversion tax impact, IRMAA surcharge calculations, state-level IRC §408A conformity), Bedrocka Tools commits to review by qualified subject-matter experts — CPAs, Enrolled Agents, or tax attorneys — before publication.

This calculator estimates federal and state income tax owed on a Roth conversion based on IRS formulas. It does not constitute tax advice. Individual results depend on factors not captured in this tool. Consult a qualified tax professional before executing any IRA conversion.

How we make money (and how we don't)

We make money two ways. Display ads, labeled “Advertisement” on every page, served through programmatic ad networks (Mediavine Journey, retirement-finance niche). Editorial affiliate partnerships, labeled “Editorial pick · Affiliate partner”, where we may earn a commission if you sign up with a partner we recommend — at no cost to you.

We never let revenue influence calculator logic or recommendations. The math is the math regardless of whether a sponsor wants it to look different. If a partner ever asks us to tune a calculator's output to favor their product, we end the partnership. See our affiliate disclosure for the full list of partners and FTC-compliant terms.

Why open source

Every calculator on this site is published as TypeScript on GitHub under MIT license. Every formula traces to a primary source — IRS Publication 590-B, Internal Revenue Code §408A or §408(d)(2), SSA IRMAA tables, or relevant Treasury regulation. Every page has a real human reviewer with public accountability. Roth conversion decisions involve real dollars and real tax liability. We built Bedrocka Tools so readers can audit the math themselves instead of trusting a black box. Read our editorial standards for the full process.

Contact

Questions, corrections, collaboration, math errors, accessibility issues — reach us at info@bedrockatools.com. We respond to every message within 3 business days.