All QuantCalc Tools
Free specialized calculators for retirement planning. Each one handles a single decision well — and links into the main planner when you're ready to model your full picture.
Healthcare & Insurance
ACA Subsidy Calculator
Premium tax credit estimator including the 2026 cliff.
ACA Marriage Penalty Calculator
Compare 4-6 filing + coverage scenarios for two-partner households across all 50 states.
ACA Bridge Optimizer
Year-by-year Roth conversion + withdrawal-order plan for early retirees with chronic conditions. Stays under your FPL ceiling each year.
IRMAA Surcharge Calculator
Two-factor scaling with decoupled Medicare inflation.
IRMAA 2-Year Lookback Projector
Multi-year MAGI projection → which year's MAGI sets which year's Medicare surcharge.
Social Security + ACA
How SS income affects ACA subsidies.
Social Security + IRMAA
Optimize SS claiming around IRMAA brackets.
Widowhood Tax Hit
Plan for the survivor's filing-status change.
Roth & Conversions
Taxes
Planning Scenarios
For your website or blog
Free embeddable widgets
Drop any of 6 free calculators (ACA cliff, Roth conversion, RMD, capital gains, Social Security, Monte Carlo) into your site with one line of iframe code. No signup, no API key.
51-State Retirement Research
510,000 simulated retirements ranking all 51 jurisdictions by tax drain and success rate. Downloadable CC-BY dataset — free to cite and republish.
ACA Cliff 2026 Research
The math behind the restored 400% FPL subsidy cliff, with the full income-limit dataset.
Also available as Chrome extensions
One-click access from your browser. Free, no signup. Each is a focused single-calculator extension built on the same engine.
Monte Carlo Stress Tester
Portfolio scenarios + drawdowns in your browser.
Roth Conversion Calculator
2026 brackets + ACA cliff + IRMAA warning.
RMD Calculator
Required minimum distributions + senior std ded.
FIRE Calculator
Years-to-FIRE with real-return inflation handling.
Capital Gains Tax Calculator
LTCG bracket-fill + NIIT + state tax (PRO).
Retirement Savings Calculator
Projected growth + bend-point Social Security.
Freelancer Tax Estimator
SE tax + quarterly + per-state std ded.
Side Hustle Tax Calculator
W-2 + 1099 stacking with marginal-rate breakdown.
Paycheck Tax Calculator
Take-home pay with FICA + state tax.
Ready for the full picture?
The QuantCalc main planner ties all of this together — Monte Carlo simulation across taxes, healthcare, life events, and 51-state modeling.
Open the main planner