Each answer states the 2026 figure in the first line, shows a compact table, and links the underlying dataset or study. The rules below are computed at build time — nothing on these pages is hand-entered.
Required Minimum Distributions
- What is the required minimum distribution (RMD) at age 73, 75, and 80 in 2026?In 2026 the IRS Uniform Lifetime Table divides the prior year-end balance by a set factor for each age. At 73 the factor is 26.5, so a $1,000,000 IRA has a…
- At what age do required minimum distributions (RMDs) start in 2026?Under SECURE 2.0 the RMD starting age depends on your birth year: born 1950 or earlier → age 72, born 1951–1959 → age 73, and born 1960 or later → age 75.…
- At what IRA balance does a 73-year-old's RMD trigger IRMAA in 2026?A 73-year-old divides the prior year-end balance by the 2026 Uniform Lifetime factor of 26.5, so with $60,000 of other income the required distribution…
Social Security
- How much can I earn before my Social Security benefits are taxed in 2026?None of your Social Security is federally taxed while your provisional income stays at or below $25,000 (single) or $32,000 (married filing jointly).…
- How much of my Social Security is taxable at $50,000 of income in 2026?At $50,000 of total income made up of a $20,000 Social Security benefit plus $30,000 from a pension or IRA, provisional income is $40,000 and $9,600 of the…
Medicare / IRMAA
- What income triggers IRMAA (the Medicare surcharge) in 2026?In 2026 the Medicare income-related surcharge (IRMAA) starts once the modified adjusted gross income on your tax return from two years earlier exceeds…
- How much do Medicare premiums go up at $200,000 of income in 2026?On a joint return, nothing: the first 2026 IRMAA threshold for married filing jointly is $218,000, so $200,000 of modified adjusted gross income still pays…
Roth Conversions
- How much can I convert to Roth before hitting the next tax bracket in 2026?A single filer with $60,000 of taxable income sits in the 22% bracket, which runs to $105,700 in 2026 — leaving $45,700 of room to convert to Roth before…
- How much can I convert to Roth without triggering IRMAA in 2026?A single filer whose 2026 modified adjusted gross income is $90,000 can convert $19,000 to Roth before crossing the first IRMAA threshold at $109,000.…
Federal Income Tax
- What are the 2026 federal income tax brackets?The 2026 federal income tax has seven brackets — 10%, 12%, 22%, 24%, 32%, 35%, 37%. For a single filer the 12% bracket starts at $12,400 of taxable income…
- What is the 2026 standard deduction for someone age 65 or older?For 2026 a single filer who is 65 or older gets a $16,100 standard deduction plus a $2,050 age-65 addition, and may add the $6,000 senior deduction…
- How much federal tax will I pay on a $100,000 IRA withdrawal in 2026?A single filer with no other income owes $13,170 of federal income tax on a $100,000 traditional IRA withdrawal in 2026 — an effective rate of 13.2%,…
- What income keeps me in the 12% tax bracket in 2026?Taxable income stays in the 12% bracket up to $50,400 for a single filer and $100,800 married filing jointly in 2026. The standard deduction comes off…
ACA / Health Coverage
- What is the 400% federal poverty level (FPL) subsidy cliff for ACA coverage in 2026?For 2026 ACA coverage the 400%-of-poverty subsidy cliff is $62,600 of household income for one person and $84,600 for a household of two. Because the…
- How much does health insurance cost if I retire at 62, before Medicare, in 2026?Full price for a couple who both retire at 62 is about $33,721 a year on the 2026 Silver benchmark — but the premium tax credit caps what they actually pay.…
State Taxes
- Which states don't tax retirement income in 2026?In 2026, 9 states levy no broad state income tax on retirement withdrawals — AK, FL, NV, NH, SD, TN, TX, WA, WY. A further 4 states (IL, IA, MS, PA) do have…
- Which states tax Social Security benefits in 2026?In 2026, 8 states still tax at least some Social Security benefits: CO, CT, MN, MT, NM, RI, UT, VT. The other 43 jurisdictions exempt Social Security from…
Capital Gains
- What income is taxed at 0% long-term capital gains in 2026?In 2026 long-term capital gains are taxed at 0% until total taxable income reaches $49,450 (single) or $98,900 (married filing jointly). Above that the rate…
- How much can I deduct in capital losses in 2026, and what triggers the wash sale rule?You can deduct $3,000 of net capital losses against ordinary income in 2026 ($1,500 married filing separately); everything above that carries forward…
Methodology
Every figure across these answers is generated from QuantCalc's parity-tested calculation modules (the same client-side mirror checked against the frozen C engine) or from a committed, versioned dataset. Sources are named on each page. Reference for research and planning only; not tax, legal, or investment advice.
Run any of these for your own numbers
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Changelog
- v2026.1 — 20 question pages, every figure computed from the 2026 tax-constants mirror and committed datasets. Questions are added to this edition as they are published; each page carries its own changelog.