Roth Conversion Planning Software

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Roth Conversion Planning Software

Inspired by a conversation on:

InvestTalk

InvestTalk

Roth or Bust: The $145K 401(k) Catch-Up Rule Change for 2026

Host: Justin Klein & Luke Guerrero

Timestamp: 26:18 - 28:07

Listen to Episode • View Podcast • All Ideas from InvestTalk

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Feather Flow

Direct Quote

"The government made these changes... they needed a way to cover their spending."

Market Gap

High-income individuals face new tax implications for catch-up contributions.

Starting in 2026, workers aged 50 and older earning above $145,000 will be required to make their 401(k) catch-up contributions on an after-tax Roth basis. This change complicates retirement planning for high-income earners, as they must now consider the tax implications of Roth conversions versus traditional contributions. Many individuals may not be adequately prepared for this shift, leading to potential tax liabilities and missed retirement savings opportunities. Existing financial planning tools often do not cater specifically to this demographic or the complexities introduced by the SECURE 2.0 Act, which creates a pressing need for more tailored solutions.

Summary

The proposed business idea is to develop a Roth Conversion Planning Software designed specifically for high-income individuals aged 50 and older. This software would help users navigate the new tax implications of making Roth contributions to their 401(k) plans, allowing them to simulate various scenarios that consider their current tax rate and potential future rates. It would include features such as tax impact analysis, retirement projections, and personalized advice based on individual financial situations. Target users would include financial advisors, accountants, and the high-income individuals themselves, who require assistance in optimizing their retirement contributions under the new guidelines. Given the complexity introduced by the recent changes to retirement savings rules, there is a significant market opportunity for a specialized software solution that simplifies this process.

Categorization

Business Model
SaaS
Target Founder
Technical
Difficulty
Medium
Time to Revenue
3-6 months
Initial Investment
$1,000-$10,000

Potential MRR (18-24 months)

Conservative
$2,000 - $5,000 MRR
Moderate (Most Likely)
$10,000 - $20,000 MRR
Optimistic
$40,000 - $80,000 MRR

* Estimates assume solo founder/bootstrap scenario with competent execution

Scores

Clarity
8/10
Novelty
7/10
Feasibility
7/10
Market Potential
8/10
Evidence
7/10
Overall
7.4/10
Found on October 2, 2025 • Analyzed on October 2, 2025 2:26 AM

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How should I validate this saas idea before building it?

2:34 PM

Great question! For a saas idea like this, I'd recommend starting with these validation steps:

  1. Customer interviews: Talk to Technical to understand their pain points
  2. MVP approach: Build a simple landing page to test demand
  3. Competitor analysis: Research existing solutions and identify gaps

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2:35 PM

Yes, and what about the technical implementation? Should I build this myself or hire a team?

2:36 PM

Based on your idea's complexity and 3-6 months, here's my recommendation:

Technical Strategy:

  • Start with no-code tools for rapid prototyping
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  • Plan for scalability from day one

I can help you create a detailed technical roadmap and resource allocation plan...

2:37 PM

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