Tax torpedoes, Roth conversion windows, RMD impact — we build the calculators that reveal the expensive surprises hiding in retirement tax law. All free, all client-side, no data collected.
5
free calculators
2026
IRS tax data
0
data collected
See your real marginal tax rate on IRA withdrawals — which can spike to 40.7%+ when SS taxation triggers.
$1 over a threshold can cost thousands in annual Medicare surcharges. See your exact headroom before acting.
Model your optimal annual conversion strategy: fill brackets, avoid IRMAA cliffs, reduce future RMDs.
Choose the tool that matches your question — from tax torpedo exposure to Roth conversion timing to withdrawal sequencing.
Plug in your income, accounts, and filing status. Everything runs in your browser — we never see your data.
Get personalized results with charts, tables, and actionable next steps. No login, no email, no catch.
The optimal Roth conversion amount depends on your tax bracket, income, and retirement timeline. Here's how to calculate exactly how much to convert in 2026.
Retire early and need your 401(k) money before 59½? The Roth conversion ladder lets you access it penalty-free. Here's exactly how to build one in 2026.
Withdrawing from the wrong accounts can cost $50,000–$150,000 in unnecessary taxes over a 20-year retirement. Here's how to sequence Traditional IRA, Roth, and taxable accounts for maximum tax efficiency.
Retirement tax planning is full of hidden complexity that generic financial tools ignore. The Social Security tax torpedo, IRMAA surcharges, the Roth conversion window — these are real, quantifiable forces that affect millions of retirees and near-retirees. Our calculators make these invisible effects visible, so you can make informed decisions before the money has already moved.
All calculators run entirely in your browser. We never see your numbers, never ask for your email, and never sell your data. The math is open — check the source code any time.
