Roth Conversion Analysis Software: 6 Options for 2027

Key Takeaways

• A Roth conversion analysis tool compares a client's multi-year taxes with and without a conversion, then reports the difference in lifetime tax and Medicare premiums.

• Four of the six tools here publish advisor-level prices on their own pages: Income Lab, Holistiplan, RightCapital, and Covisum. MaxiFi's advisor PRO plan and Boldin's advisor licensing do not appear on the pages we reviewed.

• Covisum's Tax Clarity has the lowest published per-advisor seat in this set, but it is a tax-visualization tool rather than a full planning engine.

• IRMAA is where a conversion's cost often lands. The 2026 Part B schedule moves a single filer from $284.10 to $527.50 per month as income crosses tier boundaries.

• Zapier, Make, and n8n can move data for you, but your firm still owns run history design, error escalation, access controls, and maintenance.

Start with the category decision

Most small firms searching this phrase are choosing between two categories, and the category matters more than any single brand. The first is a standalone Roth conversion or tax-analysis tool that models one client's taxes over several years. The second is a full planning platform with a tax module attached. A standalone tool suits a firm that already has a planning process and needs a sharper conversion model. A platform suits a firm that wants planning, reporting, and client presentation in one place and will accept a higher seat cost to get them. If your question is broader tax planning software rather than conversion modeling, that is a separate category from the one compared here.

A Roth conversion analysis tool projects a client's taxes for several years with and without a conversion, then reports the change in lifetime tax, Medicare premium surcharges, and after-tax portfolio value. That definition is the test this guide applies. A tool that cannot show the same client on both paths side by side is a calculator, which is a useful first step but not an analysis. The conversion itself is reported on IRS Form 8606, which the IRS describes as covering conversions from traditional, SEP, or SIMPLE IRAs to Roth IRAs (IRS Form 8606 page).

Who this is for

This guide is for an owner or operations lead at a small financial services firm who is close to choosing a tool for Roth conversion work. It assumes conversions are already part of your planning process and that you want software to run the numbers the same way for each client.

Red flags: you mainly need investment rebalancing or tax return preparation rather than planning analysis; you have no process for an advisor to review a conversion recommendation before it reaches a client; or your decision turns on one client with a simple account structure, where a free calculator may be enough.

How we evaluated these tools

We scored six tools on six weighted criteria, using only public material: vendor pricing and feature pages, IRS and CMS pages, and a vendor developer reference. We did not run these products, so nothing here describes hands-on performance. The weights reflect our judgment about what a small firm needs in order to decide. They are not vendor claims or survey data.

Facts come from vendor pages or government sources and are labeled that way. Our read follows each fact and is labeled as ours. Two products could not be scored. Roth Done Right appears in third-party directories, but we could not open an official vendor page during research. A Schwab advisor-services page for Break Analytics returned an access error. Neither is ranked here.

Feature matrix from public pages

"Not listed" means the vendor pages we opened do not name the feature. It does not mean the feature is absent, so ask for it in writing before you decide. The matrix is built from vendor copy, so treat every "Yes" as a claim to verify in a trial. US Tech Automations is not in this matrix because it is not a Roth modeling engine. In the workflow described later, it routes inputs and review steps around the engine a firm already uses.

Pricing and the cost of one advisor seat

Pricing checked October 26, 2026. Each figure below comes from the vendor's own pricing page, and where a vendor publishes no advisor figure, the row is marked Quote-based.

Pro tier: $2,990 per year billed annually according to Income Lab (2026). Support staff seats are $80 per month on top of either tier, and the page does not say whether plans are priced per advisor or per firm, so ask before you budget.

The Premium Tax tier on Holistiplan is $1,999 per year at 75 households, and the Basic Tax tier at the same size is $1,599 per year, according to Holistiplan (2026). Holistiplan prices by household count, reaches $15,499 per year for Premium at 750 households, and includes a 7-day free trial on all plans.

The Basic plan on RightCapital is $149.95 per advisor per month, the Premium plan is $209.95, and the Platinum plan is $254.95, according to RightCapital (2026). All three require an annual commitment in the first year, and each assistant seat adds $40 per month.

Tax Clarity: $79.99 per advisor per month according to Covisum (2026). The page lists a 10-day free trial, and team use goes through sales.

MaxiFi's consumer tier that includes the Roth conversion optimizer costs $149 per year, according to MaxiFi (2026). The advisor-level PRO plan has no price on that page, so its row below is Quote-based.

The PlannerPlus plan on Boldin is $168 per year, a consumer price, and the Boldin page shows no advisor seat price, according to Boldin (2026).

Read the annual column as a floor, not a budget. Seat add-ons change the total, and the RightCapital and Income Lab add-ons above are not included in the table.

Profiles: best fit, limits, and evidence

Income Lab: for planners who model Social Security and withdrawals together

Core tier: $1,990 per year billed annually according to Income Lab (2026). Core includes a Roth conversion optimizer with bracket management, multi-year projections through 2050, and 43-state tax engines.

Best fit: a planner whose conversion decision depends on Social Security timing and withdrawal order in the same model. Limits: the trial converts to paid Pro unless you cancel or switch to Core, so set a reminder before day 14. Implementation: the page names Schwab, Fidelity, and Orion integrations for Core. Primary evidence: Income Lab pricing page.

Holistiplan: for firms that start from the client's tax return

Best fit: a planner who wants analysis built from the client's return and who prices by household count. Basic includes automated federal tax return and transcript scanning and federal scenario modeling. Premium adds multi-year Roth conversion projections, state tax scenario modeling, and tax preparation letters. Limits: the pricing page does not mention IRMAA or Social Security modeling, so ask in writing. Cost grows with household count, and Enterprise above 750 households is quote-based. Implementation: the page lists a client tax return upload link, multi-factor authentication, and SOC 2 Type II. Primary evidence: Holistiplan pricing page.

RightCapital: for firms that want planning and tax in one platform

Best fit: a firm that wants retirement, tax, insurance, and client presentation in one product and will pay per advisor. The Tax Analyzer appears in the Premium and Platinum tiers, not Basic. Limits: the pricing page does not name Roth conversion features, so confirm in a trial that the Tax Analyzer models conversions the way you need. Implementation: the Enterprise tier lists API access, and consolidated billing applies to groups with 10 or more advisor licenses. Ask whether that API covers your data needs before you commit. Primary evidence: RightCapital pricing page.

Covisum Tax Clarity: for visual conversion timing

Best fit: an advisor who wants to show a client the marginal-rate effect of a conversion and time it. The page describes planning conversions to the beginning of the next effective marginal rate band, IRMAA insights, and side-by-side comparisons of year-specific outcomes. Limits: the page presents tax analysis and visuals rather than a full planning engine, and it does not list custodial integrations, so ask. Implementation: use the trial with two or three real client cases whose answers you already know before you buy. Primary evidence: Covisum Tax Clarity page.

MaxiFi: for a client-facing optimizer with advisor pricing still unclear

Best fit: a firm that already knows MaxiFi's consumer product and wants advisor-side sharing. The page says a financial advisor needs a PRO subscription to use plan sharing, but shows no PRO price. Limits: the pricing page does not show multi-year or IRMAA features, and you cannot compare advisor cost until you get a quote. Red flag: no published advisor price and no published IRMAA coverage. Primary evidence: MaxiFi pricing page.

Boldin: for client self-service, not firm licensing

Best fit: a companion for a client who wants to explore conversions alone between meetings. The PlannerPlus tier includes a Roth conversion explorer, lifetime tax projections, a Social Security explorer, and Medicare and IRMAA strategies. Limits: the pricing page lists no advisor seat, so a firm cannot budget for it from that page. Red flag: a consumer product does not replace the advisor's review of a recommendation. Primary evidence: Boldin pricing page.

IRMAA: where a conversion's cost lands

A conversion can cost more than its income tax because Medicare Part B premiums rise with income. The CMS fact sheet for 2026 sets the standard premium at $202.90 per month and lists six income tiers, shown below.

The tier figures above are from the CMS fact sheet, according to CMS (2026). Part B tier jump: $284.10 to $527.50 monthly according to CMS (2026). Our read: the table sets one flat premium per tier, so a dollar over a boundary moves the whole premium, and a conversion model that ignores tier edges will understate the cost for clients near them.

A proposed workflow can help with that review step without making the decision. US Tech Automations could configure a trigger on a HubSpot contact property change, pull the planning tool's export for that household, and create a draft case showing MAGI, the IRMAA tier, and the proposed conversion amount for an advisor to review. Prerequisites: HubSpot access, a scheduled export or API access from the planning tool, and a named reviewer. Human review points: the advisor confirms the inputs, checks the tier math, and decides whether anything reaches the client. The proposed design does not send recommendations on its own.

The worked example below is illustrative and is not a measured result. A single filer whose MAGI sits at $137,000 pays $284.10 per month, the top of the second tier. A proposed contact.propertyChange subscription on a HubSpot tax-status field, a trigger HubSpot documents as firing when a chosen property changes on any contact (HubSpot webhook guide (2026)), would queue the case. The advisor then models a $40,000 conversion, which raises income to $177,000 and places the filer in the $527.50 tier, a difference of $243.40 per month or $2,920.80 per year for that one filer. If the firm handles 12 such cases a year and an advisor spends 3 hours on each by hand, that is 36 hours before review. If prep falls to 1 hour per case plus 30 minutes of review, the total is 18 hours. Those times are assumptions for this example, not results we measured.

Build it yourself or buy: the DIY contrast

The alternative most small firms weigh is stitching this together in Zapier, Make, or n8n, or building it in-house. Those tools can keep run histories, retries, error branches, and audit evidence when they are configured that way. The buyer still has to design and own observability, idempotency so a re-run does not duplicate a case, escalation, access controls, and maintenance after the first build. A purpose-built analysis tool carries its own tax engine, which a workflow tool does not. A US Tech Automations design would differ mainly in what gets configured up front: the trigger, the prerequisite exports, the review queue, and the run log, each documented before go-live.

Both paths have a real tradeoff. A DIY build costs less in license fees but needs one person who understands both the data and the tool, and that person becomes a single point of failure. A purpose-built tool costs more per seat but moves engine maintenance to the vendor. The right choice depends on whether your firm has that person and how many cases a year you expect to run.

Who should choose which tool

• Choose Income Lab if the conversion decision depends on Social Security timing and withdrawal order in one model.

• Choose Holistiplan if you start from the client's return and are comfortable with household-based pricing.

• Choose RightCapital if you want planning, tax, and client presentation in one platform, priced per advisor.

• Choose Covisum Tax Clarity if your need is marginal-rate visuals and conversion timing at a fixed monthly seat price.

• Hold MaxiFi PRO until you have a quote, and treat Boldin as a client-side supplement.

When not to use US Tech Automations: a simpler existing tool wins in three cases. If your custodian or planning platform already runs a conversion analysis your team trusts, adding a workflow layer creates a second source of truth. If you need one analysis a year for one client, a vendor trial or a free calculator costs less setup time than a configured workflow. If no one at your firm will own the review queue or the run log, automation adds work instead of removing it.

Common mistakes

• Comparing per-advisor prices with per-household prices without converting them to one basis.

• Running a one-year view and calling the result a conversion analysis.

• Ignoring IRMAA tier edges because a conversion looks small on paper.

• Treating "not listed" as "not available" without asking the vendor in writing.

• Starting a trial without a test client whose answers you already know.

• Letting a conversion recommendation reach a client before a named person has reviewed it.

Decision checklist

• Confirm the billing basis: per advisor, per household, or per firm.

• Ask in writing whether the tool models IRMAA tiers and Social Security timing for your client profile.

• Confirm the input path: tax return upload, custodian export, or API.

• Run the same two client cases through each trial and compare the outputs.

• Name the person who reviews every conversion case before a client sees it.

• Get a quote for any tool marked Quote-based before you shortlist it.

Frequently asked questions

Is there one best Roth conversion analysis software for advisors?

No single tool fits every firm, and the right choice depends on whether you start from tax returns, a full planning engine, or client-facing visuals.

Which tool here has the lowest published advisor price?

Covisum's Tax Clarity has the lowest published per-advisor seat among the tools that publish one, as shown in the pricing section, but it is a narrower tool than the planning platforms.

Can I build this in Zapier, Make, or n8n instead?

Yes for moving data and triggering steps, and those tools can keep run histories and error branches when configured. You still own observability, idempotency, escalation, access controls, and maintenance, and you do not get a tax engine.

Does IRMAA modeling matter for a small firm?

Yes, whenever a client's income sits near a Part B tier boundary, because the CMS table sets a flat premium for each tier. A conversion that crosses a boundary can cost more than its income tax.

Why is MaxiFi's advisor price missing from this guide?

The MaxiFi pricing page we opened lists consumer plans and says advisors need PRO for plan sharing, but it shows no PRO price, so that row is Quote-based.

Should a client use a consumer tool instead of an advisor tool?

A consumer tool can support a client's own exploration between meetings, but it does not replace the advisor's review of a recommendation.

Conclusion

Start with the category, then check the billing basis and IRMAA coverage, because those two answers narrow most shortlists. Run the same two household cases through each trial before you buy, and keep a named reviewer on every conversion. If you want to see how a proposed review workflow would route those inputs and keep the run log, see how US Tech Automations configures this.