1. Project Goal:

   RothOptimizer is a Java program that calculates the optimal yearly amounts to convert from a Traditional IRA to a Roth IRA. It considers tax brackets, medicare premiums, required minimum distributions (RMDs), income levels, and long-term growth assumptions to minimize lifetime tax liability while maximizing after-tax retirement income.

2. Description:

   RothOptimizer helps individuals and financial planners calculate the optimal amount to convert from a Traditional IRA to a Roth IRA each year**.
   It takes into account:

   • Current and future tax brackets
   • medicare premiums
   • Required Minimum Distributions (RMDs)
   • Growth assumptions
   • Retirement horizon

   The goal is to minimize lifetime tax liability while maximizing after-tax Roth IRA growth.

3. Features:

   • Optimize yearly IRA → Roth conversions
   • Compare tax strategies
   • Flexible input: income, IRA balances, SSN income, estimate investment return etc.
   • Long-term Roth IRA growth simulation

4. Usage:

   IraRothPlanner --ira={100000,180000} --age={60,59} --fixIncome=12000 --ssnIncome={18000,28000} --payTaxInIra=true --investRtn=0.05 --yearBegin=2026 --born={1967,1970}

5. Contributing:

   Contributions are welcome!
   Please open an issue or submit a pull request with improvements.