Observed arrival · 2026-09-16
Bracket Ladder, a Roth conversion calculator with a hard stop
A $15 offline calculator that plans year-by-year Roth conversions around federal tax brackets and IRMAA thresholds.
○Open
⊠Login
$Paid
†Ads
✦Pretty
●Pro
◎Niche
◉Human
⚑Risk
ƒJS
Field notes
The tool models each conversion year as a contest between two ceilings: remaining federal bracket room and the next IRMAA line. Users can edit target brackets from dropdowns and compare 22% and 24% strategies on the same chart. The page identifies the underlying artifact as one HTML file that runs locally in a browser, with no account and no outbound data. Its stated scope is deliberately federal-only; state tax and Social Security taxability are left outside v1.
Observed signals
Read the marks
Editorial observations of this landing page, not a rating.
○OpenPublic substance visible
$PaidCommerce or pricing visible
✦PrettyNotable craft visible
●ProPolished or operationally mature
◎NicheUnusually specific use
◉HumanPersonal, local, civic, or handmade
One card from the complete issue