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.

IRMAA Surcharge Calculator

Two-factor scaling with decoupled Medicare inflation.

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

Roth Conversion Ladder

5-year seasoning + bracket-fill optimizer.

QCD Calculator

Qualified charitable distributions for RMD relief.

RMD + IRMAA Interaction

How required distributions push you into IRMAA.

Taxes

State Tax Modeler

51 jurisdictions including DC.

Tax Torpedo

Find the SS-taxation hump in your plan.

Withdrawal Order

Taxable → tax-deferred → Roth sequencing.

Planning Scenarios

Inflation Calculator

What CPI does to a fixed real income.

Semi-Retirement

Part-time income blending.

Portfolio Stress Test

2008, COVID, stagflation, custom shocks.

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