The plain terms of using this tool.
rothcliff.com is a free educational calculator. By using it you agree to the terms below. If you don't agree, please don't use the site.
1. What this site is
rothcliff.com (the "site") is a free, educational Roth conversion cliff calculator operated by Red Goggles LLC ("we," "us"). It estimates how much of a traditional retirement account you could convert to Roth in a given year before crossing selected income thresholds. It is a general-purpose planning aid for the public, not a personalized service.
2. Not professional advice
The site does not provide tax, legal, investment, accounting, or financial advice, and using it does not create any advisor–client, fiduciary, or professional relationship. The outputs are estimates based on published figures and simplifying assumptions, and they may not reflect your full situation. Always confirm your numbers with the IRS, CMS, and a qualified CPA or fee-only fiduciary advisor before making a Roth conversion or any other financial decision. See our disclaimer.
3. Provided "as is"
The site is provided on an "as is" and "as available" basis, without warranties of any kind, express or implied, including but not limited to accuracy, completeness, timeliness, merchantability, or fitness for a particular purpose. Tax law, IRMAA tiers, federal brackets, and ACA subsidy rules change frequently; figures may be estimates or become out of date between updates. We do not warrant that the site will be uninterrupted, error-free, or current.
4. Limitation of liability
To the fullest extent permitted by law, Red Goggles LLC and its members will not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or reliance on, the site or its outputs — including any tax, penalty, surcharge, lost subsidy, or investment loss. You use the site and its estimates at your own risk.
5. Intellectual property
The site's design, text, code, and original content are owned by Red Goggles LLC and protected by applicable law. You may use the calculator and share links to it for personal, non-commercial purposes. You may not scrape, republish, or create derivative works from the site's content without permission. Product names and cited publications belong to their respective owners.
6. Third-party links and advertising
The site links to third-party resources (the IRS, CMS/Medicare.gov, and sibling Red Goggles sites) and displays third-party advertising through Google AdSense. We don't control and aren't responsible for third-party content, practices, or the products advertised. Advertising is governed by our privacy page and never mixes with your calculator inputs.
7. Acceptable use
Don't use the site to break the law, infringe others' rights, or interfere with its operation or security (for example, by attempting to overload, scrape at scale, or reverse-engineer it beyond what applicable law permits).
8. Changes
We may update these terms and the site's content, features, or figures at any time. Material changes take effect when posted; the "last updated" date below reflects the current version. Continued use after a change means you accept the revised terms.
9. Contact
Questions about these terms: [email protected], or via our contact page.