Retirement Tax Calculators & Decision Tools
Free calculators, each built to answer one retirement decision — powered by the same Monte Carlo engine as the QuantCalc planner. No signup, runs in your browser.
Everything below is free unless marked.
RMDs & Medicare (IRMAA)
RMD Table & Calculator 2026
The 2026 Uniform Lifetime Table with an interactive RMD calculator.
RMD Age Calculator
When your required withdrawals start (73 vs 75) under SECURE 2.0, plus your first RMD.
RMD + IRMAA Interaction
How required distributions push you into IRMAA — and when.
IRMAA Surcharge Calculator
Two-factor scaling with decoupled Medicare inflation.
IRMAA Brackets 2026
All 2026 tiers for Part B + Part D, single and joint.
IRMAA 2-Year Lookback Projector
Multi-year MAGI projection → which year's MAGI sets which year's Medicare surcharge.
QCD Calculator
Qualified charitable distributions for RMD relief.
Roth conversions
Roth Conversion Optimizer
Find the conversion sweet spot that clears IRMAA, the ACA cliff, and the tax torpedo.
Roth Conversion PlannerPRO plan $99
Multi-year conversion plan vs do-nothing, with Medicare and ACA impact. Free single-year view.
Roth Conversion Ladder
5-year seasoning + bracket-fill optimizer for early retirees.
Roth Conversion Tax
What a conversion adds to this year's tax bill.
Backdoor Roth Pro-Rata
The pro-rata rule's tax cost + the roll-to-401(k) escape.
Taxes & harvesting
Tax-Loss Harvesting & Capital Gains$39 all-state pack
Full Schedule D netting, wash-sale checker, 0% bracket headroom, multi-year carryforward.
State Tax Modeler
Compare retirement tax burden across 51 jurisdictions including DC.
Tax Torpedo
Find the hidden 22.2%–40.7% marginal-rate hump from Social Security taxation.
Withdrawal Order
Taxable → tax-deferred → Roth sequencing, with IRMAA and ACA interactions.
Semi-Retirement Tax
Part-time income blending — FICA, earnings test, ACA, IRMAA.
Health insurance before 65 (ACA)
ACA Subsidy Calculator
Premium tax credit estimator including the 2026 cliff.
ACA Bridge Optimizer
Year-by-year Roth conversion + withdrawal-order plan that stays under your FPL ceiling until Medicare.
ACA Marriage Penalty
Married vs unmarried filing + coverage scenarios for two-partner households, all 50 states.
Early Retirement Healthcare
Bridge coverage options and costs from early retirement to Medicare at 65.
Widowhood Tax Hit
The survivor's filing-status change — compressed brackets, halved thresholds.
Social Security
Claiming Age Calculator
The lifetime-value-maximizing claiming age (62–70), with benefit taxation in dollars.
Social Security 2033 Cut
Model the projected ~22% benefit reduction if the trust fund isn't shored up.
Social Security + ACA
How SS income affects ACA subsidies.
Social Security + IRMAA
Optimize SS claiming around IRMAA brackets.
Withdrawal strategy & market history
Withdrawal Strategy Lab
Dynamic vs static rules head-to-head on the same 10,000 Monte Carlo paths.
Safe Withdrawal Rate
Your personal rate from Monte Carlo scenarios — beyond the generic 4% rule.
Historical Drawdown Explorer
Every major U.S. market decline since 1871 — depth, decline, recovery.
Sequence of Returns
Why the order of returns can break a plan that averages fine.
Market Regime Monitor
Bull/bear regime nowcast on 150+ years of data. Updated monthly.
Portfolio Stress Test
2008, stagflation, rate shock, custom crises — with correlation spikes.
Monte Carlo Calculator
Free browser Monte Carlo — success rate + percentile outcomes.
Coast FIRE Calculator
The age when compounding alone reaches your number.
Retirement by Age
Projections for ages 25–60: years to retirement, RMD start age, nest egg.
Retirement Inflation
Flat CPI vs category-specific inflation — the $200K+ planning error.
For advisors & publishers
QuantCalc for AdvisorsAdvisor PRO $249/yr
The full engine with white-label reports and a commercial license — you bring the advice, it brings the math.
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?
Every tool above runs on the QuantCalc engine. The main planner ties them together — Monte Carlo simulation across taxes, healthcare, life events, and 51-state modeling. See exactly how the tax math works in the tax methodology FAQ and the full model methodology.
Open the main planner