Tax Season Pass

See what each year-end move does to your 2026 taxes before the deadline passes — federal tax, state tax, the Medicare IRMAA surcharge and the ACA premium credit, for each move alone and for the moves together.

Already bought Personal PRO, the Roth Conversion Planner or Tax Tools? Your key already includes Year-end Tax Moves — nothing to buy. Payment runs on Creem; the license key is emailed at once and activates in the browser. Sales are final (refund policy), so try the free part first.

What the pass unlocks

1. A Roth conversion sized to a target — the top of a bracket, $1 under the next IRMAA tier, or under the 400% FPL line — and the tax it costs now. Deadline December 31.
2. Harvesting losses, with the $3,000 limit, the carryforward and the wash-sale window.
3. Harvesting gains at 0%, including where it stops being free: Social Security taxation and the ACA and IRMAA lines.
4. Bunching charitable gifts or a donor-advised fund under the 2026 rules (the 0.5% floor and the deduction for people who do not itemize).
5. A QCD instead of a cash gift, and how it counts toward the RMD.
6. The last RMD, including the first-year choice between December and April 1.
7. The Q4 estimated payment or December withholding and the underpayment penalty either way. Deadline January 15, 2027 for the estimate.

Free in the Year-end Tax Moves tool: your 2026 baseline, one move in full, and the combined effect of your eligible moves as a single total. The pass adds the other moves, the combinations, the action list and the PDF.

An estimate, not tax advice. Figures come from QuantCalc's published federal and state tax engines for the 2026 tax year; the federal and state engine documentation lists the official source behind every rule. IRMAA effects use the 2026 brackets because the 2028 brackets your 2026 income sets are not yet published.