Free calculators
Retirement calculators and guides
31 free tools for the money questions of a retirement year, from withdrawals and RMDs to Social Security, Roth conversions, IRMAA and the ACA. Each shows its tables and years, and none asks for an email.
Withdrawals and RMDs
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 calculatorWhat is my income after tax?
Retirement income calculator
This year’s income after federal tax, and what is left to spend each month.
Open calculatorWhat do I keep from a withdrawal?
401(k) and IRA withdrawal tax
The tax a withdrawal adds, the bracket it lands in and whether the 10% early withdrawal tax applies.
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 calculatorHow fast must I empty an inherited IRA?
Inherited IRA calculator
The rule for your kind of beneficiary, this year’s minimum and the year the account must be empty.
Open calculatorShould I give from my IRA?
QCD calculator
A gift straight from the IRA after 70½ against the same gift by check, and the RMD it covers.
Open calculatorWhat if the bad years come first?
Sequence of returns
Your withdrawals replayed through historical returns, and how much the order of those years matters.
Open calculatorRetiring before 59½
Can 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 calculatorCan I take IRA money before 59½?
72(t) calculator
The yearly payment under each IRS method that avoids the 10% early tax, and the rules that keep it.
Open calculatorWhen can I spend a Roth conversion?
Roth conversion ladder
Each conversion’s five-year clock, the date it can come out without the 10%, and the tax it adds.
Open calculatorRoth conversions
How 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 calculatorWhen is the deadline?
Roth conversion deadline
Why a conversion has to be done by December 31, and what that means for this year’s number.
Read the guideDoes converting cost me my ACA credit?
Roth conversions and the ACA subsidy
How much you can convert before the 400% line, and how much credit each converted dollar costs.
Read the guideSocial Security
Claim 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 do I get on my spouse’s record?
Spousal benefits calculator
Your own benefit plus the spousal top-up at each start age from 62 to full retirement age.
Open calculatorWhat does a widow get?
Survivor benefits calculator
The survivor benefit at each start age from 60, which to take first, and the filing status that follows.
Open calculatorHow much of my benefit is taxed?
Taxable Social Security
Provisional income against the IRS thresholds, the taxable part of your benefit and the tax torpedo.
Open calculatorWhat if Social Security is cut?
Social Security cut calculator
A cut from the year the trust fund runs out: what you lose after tax and what it takes to make up.
Open calculatorIncome tax in retirement
What will I owe this year?
Retiree tax calculator
Federal and state tax on Social Security, pensions, withdrawals and investment income.
Open calculatorWhich states tax my retirement income?
Retirement taxes by state
The same income taxed in every state, lowest first, and the states that still tax Social Security.
Open calculatorHow much of my gain is taxed at 0%?
Capital gains tax calculator
Your gains across the 0%, 15% and 20% rates, and how much more you could take tax-free.
Open calculatorHow much is the senior deduction worth?
Senior deduction calculator
The 2025–2028 deduction for people 65 and older after its phase-out, and the tax it saves.
Open calculatorWhich income counts for IRMAA and the ACA?
MAGI calculator
Your AGI and the three modified AGIs built from it, each against its line.
Open calculatorDo I need to pay estimated tax?
Estimated tax safe harbor
The least to withhold or pay this year so no underpayment penalty applies.
Open calculatorMedicare and IRMAA
Will 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 calculatorWhat are the 2027 IRMAA brackets?
IRMAA brackets 2027
The 2027 income lines, how they are set and when the official table comes out.
Read the guideWhat are the 2026 IRMAA brackets?
IRMAA brackets 2026
The 2026 Part B and Part D surcharges by income, and which year’s income sets them.
Read the guideCan I lower my IRMAA?
IRMAA appeal
Form SSA-44 and the seven life-changing events Social Security accepts.
Read the guideACA health insurance before Medicare
Do 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 calculatorIs the subsidy cliff back in 2027?
ACA subsidy cliff 2027
The 400% line for 2027 coverage and what one dollar over it costs.
Read the guideWhere is the cliff for 2026 coverage?
ACA subsidy cliff 2026
The 400% line for 2026 coverage by household size, where one dollar over loses the whole credit.
Read the guideOpen the full plannerEvery account, several target lines in priority order, Roth conversions, and how every number was computed. The free run needs no account.
Open the planner