Use this calculator to estimate your ability to retire early. "A Roth IRA conversion ladder is a multiyear strategy that allows you to tap your retirement account without penalty before reaching age 59½. When you do a Roth IRA conversion, you must wait five years to withdraw the converted amount to avoid a 10% tax hit." Jan 5, 2022 How the Roth Conversion Ladder Works - Investopedia

• APPROXIMATE results and incorrect assumptions may be built in; does not account for income taxes, IRS tax code not changing etc.
• Do not use decimals, whole numbers only, do not rely on this calculator for final financial decision making