This year’s withdrawals, worked out to the dollar.
Enter your balances, income and the lines you want to stay under: the 12% bracket, the ACA credit limit, IRMAA. Dipperfield works out how much to take from each account and how much to convert to Roth, and shows the table behind every figure.
Not planning today?
Example · Tom 66 and Linda 64, Florida
With these inputs, Social Security, dividends and a $70,100 brokerage sale cover $120,000 of spending, and $13,670 converts to Roth. MAGI for ACA lands exactly on the line, so Linda keeps her premium tax credit.
Taxable income$30,540after $39,850 of deductions
- Ordinary income after deductions$510
- Qualified dividends$9,000
- Long-term gain$21,030
MAGI for ACA$84,600IRMAA reads it without untaxed Social Security: $70,390
- Social Security$38,400
- Interest, dividends and gains$32,530
- Roth conversion$13,670
- Income before Social Securitygain $21,030 + conversion $13,670 + dividends and interest $11,500$46,200
- +Taxable Social Security85% tier: provisional income $65,400 is over $44,000$24,190
- =Adjusted gross income$70,390
- +Social Security not taxed$14,210
- =MAGI for ACA$84,600
- ACA line400% × $21,150$84,600
- =Room under the line$0
Tables and sources
- HHS 2025 Poverty Guidelines (Federal Register 2025-01377); IRS Premium Tax Credit Q&A A72026 coverage uses the 2025 HHS poverty guidelines (48 states + DC); the enhanced credit lapsed after 2025, so eligibility stops above 400% FPL
- IRS Publication 915, Social Security and Equivalent Railroad Retirement BenefitsIRC §86 base amounts; Pub 915 Worksheet 1; not indexed · 2026
Tom and Linda sell from the brokerage first and convert up to the ACA line. IRA $1.48M, brokerage $620K, Roth $210K, cash $85K. Every figure above is the engine’s output for those inputs.
How it works
Three decisions, made once a year.
Plan the year before you take the first dollar, keep conversions on a path to the RMD you want at 75, and check the plan before December 31 while there is still time to change it.
Roth conversions for 2026 close December 31.
January · free
This year’s mix
Enter what you have and the lines you care about, in order; Dipperfield draws and converts until the first line is reached and names the line that stopped it.
- 1Your inputsBalances, income, spending, state
- 2Your lines, in orderACA credit limit, 12% bracket, 0% gains, IRMAA
- 3The mixWhat to take from each account, what to convert, the tax
November · subscription
The year-end check
Enter what actually happened. Dividends and interest came in $3,000 above plan, so the planned conversion would now cross the ACA line.
PlanMAGI for ACA$84,600
Nowconverting $13,670 as planned$87,600
- Social Security
- Interest, dividends and gains
- Roth conversion
- Past ACA line
Convert $13,670, as planned
- ACA line
- Over · $3,000
- Federal tax
- $368
Convert $10,670, up to the line
- ACA line
- At the line
- Federal tax
- $0
Any month · subscription
A conversion path to the RMD you want
Set the most you want your first required distribution to be. Dipperfield finds the smallest steady conversion that gets there and shows the tax each year, on tables it names.
- 2026Tom 66$90,508IRA $1.48M
- 202767$90,508$1.43M
- 202868$90,508$1.38M
- 202969$90,508$1.33M
- 203070$90,508$1.28M
- 203171$90,508$1.22M
- 203272$90,508$1.16M
- 203373$90,508$1.11M
- 203474$90,508$1.05M
- 203575 · RMD$40,000$984K
3% real return, your assumption. 2026 tables held constant for later years and marked on every one. Amounts in 2026 dollars. The path aims at the RMD only: it does not hold 2026 to the ACA line the way this year’s plan above does.
Plan against year-end
Why did my number change?
Tom and Linda saved their plan on Oct 1, 2026. By year end, interest and dividends had come in $3,000 above plan, and they converted $3,000 less to stay on the ACA line.
Dipperfield swaps in each changed input or rule one at a time and recomputes, so every row names what moved the number. The rows add up exactly to the change.
When the IRS publishes next year’s figures, the tables are updated within 30 days, and the year is shown on every screen.
Plan against year-end
plan saved Oct 1, 2026 · tables 2026| Result | Plan | Now | Change |
|---|---|---|---|
| Roth conversion | $13,670 | $10,670 | −$3,000 |
| Federal income tax | $51 | $0 | −$51 |
| MAGI for ACA | $84,600 | $84,600 | $0 |
| Left after spending and tax | $0 | $3,051 | +$3,051 |
Why, one change at a time
- Taxable interest$2,500 → $3,100InputConversion −$420 · brokerage sale −$600 · federal tax +$18
- Qualified dividends$9,000 → $11,400InputConversion −$1,680 · brokerage sale −$2,400 · federal tax −$69
- Withdrawals and conversions actually takenInputConversion −$900 · brokerage sale +$3,000 · left after spending +$3,051
- Tax year and tablesRuleNo change: both use the 2026 tables retrieved Sep 24, 2026
Calculations from your inputs and published 2026 rules. Not tax, legal or investment advice.
What it will not do
Your numbers, your call.
It will not tell you what to do
It shows what happens with your inputs under the published rules. When there are two ways forward, both are shown as outcomes and neither is labelled the right one.
It will not guess a number
A state whose tables are not covered is marked as not covered. It is never filled in with an estimate you cannot see.
It will not show a figure without its source
Each number names the table, the year and the document it came from, and opens into the arithmetic behind it.
It will not use AI for the math
Plain arithmetic on published tables. The same inputs give the same answer every time.
It will not ask for bank or brokerage logins
You type the numbers, the way you already do in your spreadsheet.
It will not read your plans
Plans you save on the website are locked in your browser before they reach us. Plans an assistant saves for you reach our server first and are locked there for your browser. We store only the locked copy and cannot open it.
It will not make leaving hard
Cancel with one click. Full refund within 30 days of any charge. If you stop paying, your saved plans stay readable, exportable and printable.
Free calculators
One question at a time.
Each calculator answers one question and shows its tables and years. None needs an email to give you the answer.
How much can I take this year?
Retirement withdrawal calculator
This year’s withdrawals from each account, the tax they cause and how close they come to your line.
Open calculatorHow much can I convert this year?
Roth conversion calculator
The largest conversion that stays under the line you choose, and the federal tax it adds.
Open calculatorHow much must I take out?
RMD calculator
This year’s required minimum distribution, the start age by birth year and the IRS table.
Open calculatorWill this year raise my Medicare premium?
IRMAA calculator
A year’s MAGI, the IRMAA tier it lands in and the surcharge it sets two years later.
Open calculatorClaim at 67 or at 70?
Social Security break-even
The monthly benefit at two claim ages and the age the later claim catches up, with a grid for couples.
Open calculatorWhat will I owe this year?
Retiree tax calculator
Federal and state tax on Social Security, pensions, withdrawals and investment income.
Open calculatorDo I keep my marketplace credit?
ACA subsidy calculator
Your MAGI against the poverty line, the premium tax credit and the room before it changes.
Open calculatorCan I use the rule of 55?
Rule of 55 calculator
Whether leaving your job at 55 frees that 401(k) from the 10% tax, and what a withdrawal leaves after tax.
Open calculatorPricing
Free for this year’s run.
Billed once a year, plus any sales tax. The price stays $129 for as long as you stay subscribed.
Run your 2026 numbersThis year, before December 31
- How much more you can convert under each of your lines, and the tax on it
- This year’s record: what you converted, what is left, and your withholding against the federal target
- A summary for your accountant, with the Form 1040 lines it covers
The years up to your first RMD
- Conversion path to your RMD target, with a Social Security cut or a move to another state
- Next year’s spending from withdrawal-rate guardrails you set
Saved and shared
- Encrypted saved plans
- A read-only copy for your spouse, opened with their own sign-in
- Compare saved versions
- Email reminder 14 days before it renews
- Cancel in your account with one click
- Full refund within 30 days of any charge
- If it lapses, you keep your saved plans
FAQ
Questions people ask first.
2026 conversions close December 31.
Your balances, this year’s income and your spending are all it needs. Nothing leaves your browser unless you save it.
