退休人士 401k → Roth IRA 優化工具

對退休人士來說，如何優化 401k 轉換到 Roth IRA 並不是一件容易的事。一般的 financial planner 往往難以全麵顧及不同人的情況。為此我寫了一個小程序，歡迎大家測試、補充和完善：
 

https://github.com/liningalex/RothOptimizer

目前這個工具主要麵向懂一些計算機的朋友使用，希望不久後能有人為它加上友好的 App 界麵。

[天涯追夢]

剛才有算了一下，好像“totalTax"不是所有的“tax="數字的總和。
比如第一種情況，我用ChatGPT幫我算了一下。是394,923.
medicare總和是132,300。這兩個加起來也才是52萬6.
誰能看看問題在哪裏？謝謝

[天涯追夢]

三種情況，空格分開。第三種就是每年都轉換一些到RothIRA. 到你73時轉換基本完畢。

如果你搜尋“totalTax". 你會看到，第三種情況，roth 餘額最高 （搜尋"roth="). 達到4-5米！

[天涯追夢]

我測試了一下，看到三種結果，真是驚歎。這是我的測試命令（Ubuntu Linux， tcsh shell)：
java -cp "out:lib/commons-cli-1.5.0.jar:lib/commons-lang3-3.12.0.jar"
com.liningalex.rothoptimizer.IraRothPlanner
--ira='{50000,1500000}'
--age='{62,61}'
--fixIncome=19000
--ssnIncome='{24000,48000}'
--payTaxInIra=true
--investRtn=0.05
--yearBegin=2025

得到的結果：

Year=2025, age=(62,61),ira=(50000,1500000),roth=(0,0),rmd=(0,0),income=19000,medicare=0,tax=0,taxRate=0
Year=2026, age=(63,62),ira=(52500,1575000),roth=(0,0),rmd=(0,0),income=19000,medicare=0,tax=0,taxRate=0
Year=2027, age=(64,63),ira=(55125,1653750),roth=(0,0),rmd=(0,0),income=19000,medicare=0,tax=0,taxRate=0
Year=2028, age=(65,64),ira=(55181,1736438),roth=(0,0),rmd=(0,0),income=19000,medicare=2700,tax=0,taxRate=0
Year=2029, age=(66,65),ira=(55240,1820559),roth=(0,0),rmd=(0,0),income=19000,medicare=5400,tax=0,taxRate=0
Year=2030, age=(67,66),ira=(55302,1908887),roth=(0,0),rmd=(0,0),income=43000,medicare=5400,tax=1300,taxRate=3
Year=2031, age=(68,67),ira=(55367,2001632),roth=(0,0),rmd=(0,0),income=91000,medicare=5400,tax=6843,taxRate=8
Year=2032, age=(69,68),ira=(55436,2099013),roth=(0,0),rmd=(0,0),income=91000,medicare=5400,tax=6843,taxRate=8
Year=2033, age=(70,69),ira=(55508,2201264),roth=(0,0),rmd=(0,0),income=91000,medicare=5400,tax=6843,taxRate=8
Year=2034, age=(71,70),ira=(55583,2308627),roth=(0,0),rmd=(0,0),income=91000,medicare=5400,tax=6843,taxRate=8
Year=2035, age=(72,71),ira=(55662,2421359),roth=(0,0),rmd=(0,0),income=91000,medicare=5400,tax=6843,taxRate=8
Year=2036, age=(73,72),ira=(53540,2539726),roth=(0,0),rmd=(2205,0),income=93205,medicare=5400,tax=7107,taxRate=8
Year=2037, age=(74,73),ira=(51312,2465452),roth=(0,0),rmd=(2204,100630),income=193834,medicare=5400,tax=25871,taxRate=13
Year=2038, age=(75,74),ira=(48988,2385688),roth=(0,0),rmd=(2190,101518),income=194708,medicare=5400,tax=26063,taxRate=13
Year=2039, age=(76,75),ira=(46567,2301316),roth=(0,0),rmd=(2170,101828),income=194998,medicare=5400,tax=26127,taxRate=13
Year=2040, age=(77,76),ira=(44060,2212468),roth=(0,0),rmd=(2135,101957),income=195092,medicare=5400,tax=26148,taxRate=13
Year=2041, age=(78,77),ira=(41460,2120201),roth=(0,0),rmd=(2102,101445),income=194547,medicare=5400,tax=26028,taxRate=13
Year=2042, age=(79,78),ira=(38770,2023829),roth=(0,0),rmd=(2063,101191),income=194254,medicare=5400,tax=25963,taxRate=13
Year=2043, age=(80,79),ira=(35993,1923598),roth=(0,0),rmd=(2015,100711),income=193726,medicare=5400,tax=25847,taxRate=13
Year=2044, age=(81,80),ira=(33145,1819801),roth=(0,0),rmd=(1948,99988),income=192936,medicare=5400,tax=25673,taxRate=13
Year=2045, age=(82,81),ira=(30221,1713802),roth=(0,0),rmd=(1881,98494),income=191375,medicare=5400,tax=25330,taxRate=13
Year=2046, age=(83,82),ira=(27239,1604954),roth=(0,0),rmd=(1792,97269),income=190061,medicare=5400,tax=25041,taxRate=13
Year=2047, age=(84,83),ira=(24198,1494783),roth=(0,0),rmd=(1702,95209),income=187911,medicare=5400,tax=24568,taxRate=13
Year=2048, age=(85,84),ira=(21120,1382675),roth=(0,0),rmd=(1588,93423),income=186011,medicare=5400,tax=24150,taxRate=13
Year=2049, age=(86,85),ira=(18017,1270333),roth=(0,0),rmd=(1458,90738),income=183196,medicare=5400,tax=23531,taxRate=13
Year=2050, age=(87,86),ira=(14905,1158343),roth=(0,0),rmd=(1313,87753),income=180066,medicare=5400,tax=22842,taxRate=13
Year=2051, age=(88,87),ira=(14263,1047336),roth=(0,0),rmd=(1313,84462),income=151462,medicare=5400,tax=16549,taxRate=11
Year=2052, age=(89,88),ira=(13589,939163),roth=(0,0),rmd=(1313,80270),income=147270,medicare=5400,tax=15627,taxRate=11
income=19000,roth=717283,rmd=2350415,lastTax=283106,totalTax=711086

Year=2025, age=(62,61),ira=(50000,1500000),roth=(0,0),rmd=(0,0),income=19000,medicare=0,tax=79,taxRate=0
Year=2026, age=(63,62),ira=(52500,1575000),roth=(0,0),rmd=(0,0),income=19000,medicare=0,tax=79,taxRate=0
Year=2027, age=(64,63),ira=(55125,1653750),roth=(0,0),rmd=(0,0),income=19000,medicare=0,tax=79,taxRate=0
Year=2028, age=(65,64),ira=(55181,1736438),roth=(0,0),rmd=(0,0),income=19000,medicare=2700,tax=79,taxRate=0
Year=2029, age=(66,65),ira=(55240,1820559),roth=(0,0),rmd=(0,0),income=19000,medicare=5400,tax=79,taxRate=0
Year=2030, age=(67,66),ira=(55302,1908887),roth=(0,0),rmd=(0,0),income=43000,medicare=5400,tax=1723,taxRate=4
Year=2031, age=(68,67),ira=(55367,2001632),roth=(0,0),rmd=(0,0),income=91000,medicare=5400,tax=8804,taxRate=10
Year=2032, age=(69,68),ira=(55436,2099013),roth=(0,0),rmd=(0,0),income=91000,medicare=5400,tax=8804,taxRate=10
Year=2033, age=(70,69),ira=(55508,2201264),roth=(0,0),rmd=(0,0),income=91000,medicare=5400,tax=8804,taxRate=10
Year=2034, age=(71,70),ira=(55583,2308627),roth=(0,0),rmd=(0,0),income=91000,medicare=5400,tax=8804,taxRate=10
Year=2035, age=(72,71),ira=(55662,2421359),roth=(0,0),rmd=(0,0),income=91000,medicare=5400,tax=8804,taxRate=10
Year=2036, age=(73,72),ira=(53540,2539726),roth=(0,0),rmd=(2205,0),income=93205,medicare=5400,tax=9189,taxRate=10
Year=2037, age=(74,73),ira=(51312,2465452),roth=(0,0),rmd=(2204,100630),income=193834,medicare=5400,tax=35951,taxRate=19
Year=2038, age=(75,74),ira=(48988,2385688),roth=(0,0),rmd=(2190,101518),income=194708,medicare=5400,tax=36225,taxRate=19
Year=2039, age=(76,75),ira=(46567,2301316),roth=(0,0),rmd=(2170,101828),income=194998,medicare=5400,tax=36316,taxRate=19
Year=2040, age=(77,76),ira=(44060,2212468),roth=(0,0),rmd=(2135,101957),income=195092,medicare=5400,tax=36345,taxRate=19
Year=2041, age=(78,77),ira=(41460,2120201),roth=(0,0),rmd=(2102,101445),income=194547,medicare=5400,tax=36175,taxRate=19
Year=2042, age=(79,78),ira=(38770,2023829),roth=(0,0),rmd=(2063,101191),income=194254,medicare=5400,tax=36082,taxRate=19
Year=2043, age=(80,79),ira=(35993,1923598),roth=(0,0),rmd=(2015,100711),income=193726,medicare=5400,tax=35917,taxRate=19
Year=2044, age=(81,80),ira=(33145,1819801),roth=(0,0),rmd=(1948,99988),income=192936,medicare=5400,tax=35670,taxRate=18
Year=2045, age=(82,81),ira=(30221,1713802),roth=(0,0),rmd=(1881,98494),income=191375,medicare=5400,tax=35182,taxRate=18
Year=2046, age=(83,82),ira=(27239,1604954),roth=(0,0),rmd=(1792,97269),income=190061,medicare=5400,tax=34770,taxRate=18
Year=2047, age=(84,83),ira=(24198,1494783),roth=(0,0),rmd=(1702,95209),income=187911,medicare=5400,tax=34098,taxRate=18
Year=2048, age=(85,84),ira=(21120,1382675),roth=(0,0),rmd=(1588,93423),income=186011,medicare=5400,tax=33503,taxRate=18
Year=2049, age=(86,85),ira=(18017,1270333),roth=(0,0),rmd=(1458,90738),income=183196,medicare=5400,tax=32622,taxRate=18
Year=2050, age=(87,86),ira=(14905,1158343),roth=(0,0),rmd=(1313,87753),income=180066,medicare=5400,tax=31642,taxRate=18
Year=2051, age=(88,87),ira=(14263,1047336),roth=(0,0),rmd=(1313,84462),income=151462,medicare=5400,tax=22700,taxRate=15
Year=2052, age=(89,88),ira=(13589,939163),roth=(0,0),rmd=(1313,80270),income=147270,medicare=5400,tax=21442,taxRate=15
income=19000,roth=629718,rmd=2350415,lastTax=370671,totalTax=960638

Year=2025, age=(62,61),ira=(43790,1313692),roth=(5065,151935),rmd=(0,0),income=176000,medicare=0,tax=30370,taxRate=17
Year=2026, age=(63,62),ira=(39769,1193069),roth=(10382,311468),rmd=(0,0),income=176000,medicare=0,tax=30370,taxRate=17
Year=2027, age=(64,63),ira=(35547,1066415),roth=(15966,478977),rmd=(0,0),income=176000,medicare=0,tax=30370,taxRate=17
Year=2028, age=(65,64),ira=(28414,933428),roth=(21829,654861),rmd=(0,0),income=176000,medicare=2700,tax=30370,taxRate=17
Year=2029, age=(66,65),ira=(21448,790569),roth=(27558,839966),rmd=(0,0),income=176000,medicare=5400,tax=30370,taxRate=17
Year=2030, age=(67,66),ira=(15420,665207),roth=(32449,1011451),rmd=(0,0),income=176000,medicare=5400,tax=30370,taxRate=17
Year=2031, age=(68,67),ira=(10992,587979),roth=(35997,1145098),rmd=(0,0),income=176000,medicare=5400,tax=30370,taxRate=17
Year=2032, age=(69,68),ira=(6818,506414),roth=(39357,1285793),rmd=(0,0),income=176000,medicare=5400,tax=30370,taxRate=17
Year=2033, age=(70,69),ira=(2994,420213),roth=(42454,1433954),rmd=(0,0),income=176000,medicare=5400,tax=30370,taxRate=17
Year=2034, age=(71,70),ira=(0,329016),roth=(44841,1590050),rmd=(0,0),income=176000,medicare=5400,tax=30370,taxRate=17
Year=2035, age=(72,71),ira=(0,232480),roth=(44383,1754553),rmd=(0,0),income=176000,medicare=5400,tax=30370,taxRate=17
Year=2036, age=(73,72),ira=(0,131117),roth=(43902,1927280),rmd=(0,0),income=176000,medicare=5400,tax=30370,taxRate=17
Year=2037, age=(74,73),ira=(0,25768),roth=(43398,2103449),rmd=(0,5195),income=176000,medicare=5400,tax=30370,taxRate=17
Year=2038, age=(75,74),ira=(0,0),roth=(42867,2226911),rmd=(0,1061),income=116996,medicare=5400,tax=13472,taxRate=12
Year=2039, age=(76,75),ira=(0,0),roth=(42311,2335557),rmd=(0,0),income=91000,medicare=5400,tax=8804,taxRate=10
Year=2040, age=(77,76),ira=(0,0),roth=(41726,2449635),rmd=(0,0),income=91000,medicare=5400,tax=8804,taxRate=10
Year=2041, age=(78,77),ira=(0,0),roth=(41113,2569416),rmd=(0,0),income=91000,medicare=5400,tax=8804,taxRate=10
Year=2042, age=(79,78),ira=(0,0),roth=(40468,2695187),rmd=(0,0),income=91000,medicare=5400,tax=8804,taxRate=10
Year=2043, age=(80,79),ira=(0,0),roth=(39792,2827247),rmd=(0,0),income=91000,medicare=5400,tax=8804,taxRate=10
Year=2044, age=(81,80),ira=(0,0),roth=(39081,2965909),rmd=(0,0),income=91000,medicare=5400,tax=8804,taxRate=10
Year=2045, age=(82,81),ira=(0,0),roth=(38335,3111504),rmd=(0,0),income=91000,medicare=5400,tax=8804,taxRate=10
Year=2046, age=(83,82),ira=(0,0),roth=(37552,3264380),rmd=(0,0),income=91000,medicare=5400,tax=8804,taxRate=10
Year=2047, age=(84,83),ira=(0,0),roth=(36730,3424899),rmd=(0,0),income=91000,medicare=5400,tax=8804,taxRate=10
Year=2048, age=(85,84),ira=(0,0),roth=(35866,3593444),rmd=(0,0),income=91000,medicare=5400,tax=8804,taxRate=10
Year=2049, age=(86,85),ira=(0,0),roth=(34960,3770416),rmd=(0,0),income=91000,medicare=5400,tax=8804,taxRate=10
Year=2050, age=(87,86),ira=(0,0),roth=(34008,3956237),rmd=(0,0),income=91000,medicare=5400,tax=8804,taxRate=10
Year=2051, age=(88,87),ira=(0,0),roth=(33008,4151348),rmd=(0,0),income=67000,medicare=5400,tax=4964,taxRate=7
Year=2052, age=(89,88),ira=(0,0),roth=(31958,4356216),rmd=(0,0),income=67000,medicare=5400,tax=4964,taxRate=7
income=176000,roth=4607583,rmd=0,lastTax=0,totalTax=523858

[天涯追夢]

謝謝！
請看悄悄話。