Free Retirement Tax Calculators & Tools (2026)

RMDs & Medicare (IRMAA)

RMD Calculator 2026

Your required minimum distribution from age and balance: amount, deadline, the first-year April 1 rule and a 10-year projection.

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 Percentage by Age Chart

Every Uniform Lifetime divisor turned into the percentage of your balance it forces out, ages 73–120 — printable.

RMD Table 2027

The IRS Uniform Lifetime Table as it applies to 2027 distributions, with a calculator.

IRMAA Brackets 2027 (projected)

Projected 2027 MAGI thresholds from the statutory CPI-U formula, with the method and a sensitivity band.

Medicare Open Enrollment 2026

October 15 – December 7 dates, every other enrollment window, late-enrollment penalties and what to check for 2027.

Medicare Part D 2027

The official $700 deductible, $2,400 out-of-pocket cap and base premium, the Part D IRMAA surcharge and a late-penalty calculator.

Medicare Savings Programs 2026

QMB, SLMB and QI income and resource limits (CMS), what each pays, states with more generous rules, and a which-program check.

Medicare Deductibles 2027

Part A $1,736 and Part B $283 for 2026, the daily coinsurance, and the status of the 2027 amounts.

Medicare Part B Premium 2026

The standard premium and deductible from CMS, the premium at every income tier from your 2024 return, and a calculator for your own.

Medicare Costs 2026

Every 2026 Medicare premium, deductible, coinsurance and out-of-pocket limit in one table from CMS, and a premium calculator.

Medicare Part D 2026

The $615 deductible, the $2,100 out-of-pocket cap, the Prescription Payment Plan and a calculator for your drug costs.

Extra Help Income Limits 2026

The Part D low-income subsidy: income and resource limits by household size, the copays it sets, and an eligibility check.

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.

Inherited IRA RMD Calculator

Which post-SECURE regime governs the account — 10-year rule with or without annual RMDs, life expectancy, 5-year, or the ghost rule — plus a Single Life Table schedule.

First RMD Deadline

Your April 1 required beginning date, and whether delaying stacks two RMDs into one tax year.

RMD Rules 2026

Who owes an RMD, from which accounts, by when: start age 73 or 75, the April 1 rule, still working, Roth accounts.

RMD Penalty Calculator

The excise tax on a missed RMD, the lower rate if corrected in time, and the Form 5329 lines.

401(k) & 403(b) RMD Aggregation

Which RMDs you may take from one account (IRAs, 403(b)s) and which each plan must pay (401(k)s).

Inherited IRA Rules 2026

Eligible designated beneficiaries, the 10-year rule and when annual RMDs apply inside it.

Single Life Expectancy Table

IRS Table I in full, ages 0 to 120+, with an inherited IRA RMD calculator.

QCD Limit 2026

The 2026 qualified charitable distribution limit, the 70½ rule and how a QCD counts toward your RMD.

Medicare Late Enrollment Penalty

The permanent Part B and Part D surcharges, counted on their two separate clocks.

Roth conversions

Roth Conversion Optimizer

Find the conversion sweet spot that clears IRMAA, the ACA cliff, and the tax torpedo.

Roth Conversion Rules 2026

No dollar limit, the December 31 deadline, the RMD first, the 5-year rule and the tax a conversion adds, checked on your numbers.

Roth Conversion PlannerPRO plan $49

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.

Roth IRA Calculator 2026

Your 2026 contribution limit with the income phase-out, what a yearly deposit grows to, and Roth against traditional at equal cost.

Roth IRA Rules 2026

What a Roth IRA is, the limits, the 5-year rule, 59½, the order withdrawals come out and a checker for whether yours is tax-free.

Mega Backdoor Roth Calculator

The after-tax room left under the overall 401(k) limit once your deferral and the employer’s money are counted.

Roth 5-Year Rule Timeline

Both clocks on one timeline — the qualification period for earnings, and each conversion's own 10% recapture window.

Taxes & harvesting

Seven moves before December 31 — a Roth conversion, a QCD, the last RMD, harvesting gains or losses, bunching gifts, the January estimate — and what each does to your federal and state tax, IRMAA and ACA credit. Free: one move and your total.

2026 Tax Return Calculator

Your 2026 federal and state refund or amount owed, for retirees: Social Security, IRA and 401(k) withdrawals, pensions, Roth conversions, gains, deductions and what was withheld.

2026 Return Preview

The same 2026 return line by line: every Form 1040 line and schedule the engine fills, the state detail and a printable copy. Free: your refund or amount owed; the lines come with the Tax Season Pass.

Tax Refund Schedule 2027

When your 2026 refund arrives for the day and way you file, and how much it is, federal and state.

Do I Need to File Taxes? (2026)

The IRS gross-income test for your filing status and age, with Social Security counted the way the test counts it, and the refund you get by filing.

Senior Deduction Calculator 2026

The $6,000 deduction for each person 65 or older (Schedule 1-A): how much the phase-out leaves you and the room before it starts.

Form 1099-R Explained

Boxes, distribution codes and the Form 1040 lines, and the federal and state tax a distribution adds against what box 4 withheld.

SSA-1099 Explained

Box 5 to line 6a, the taxable part on line 6b, the tax your benefits add and the box 6 withholding.

Retirement Withholding (W-4P, W-4R, W-4V)

Your tax against what your pension, IRA and Social Security withhold, and the rate on each form that closes the gap.

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.

States With No Income Tax 2026

The nine states with no income tax, how each treats retirement income, interest and gains, and what a retiree household pays in each.

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.

Estimated Tax 2026

What to pay by January 15, 2027: your 2026 tax, the safe harbor, and the penalty as a fourth estimate or December withholding.

401(k) Withdrawal 2026

The federal and state tax on a withdrawal, the 10% before 59½ and its exceptions, the 20% withheld vs the tax you owe, and your RMD.

Underpayment Penalty

Estimated-tax interest per quarter at the published IRS rates, plus the cheaper safe harbor.

Charitable Deduction 2026

Standard vs itemize under the new 0.5% floor and non-itemizer deduction, and bunching gifts into a donor-advised fund.

Tax Bracket Calculator 2026

What bracket you are in, your marginal and effective federal and state tax rate, and the room left in your bracket before December 31.

Net Investment Income Tax Calculator 2026

Whether the 3.8% NIIT applies to you, how much it is, and what the next gain or IRA withdrawal adds, from the tax engine.

No Tax on Overtime 2026

The new overtime and tips deductions on your 2026 federal return: the amount you can deduct, the phase-out and the tax it saves.

Gift Tax Exclusion 2026

The $19,000 annual exclusion per recipient, gift splitting, gifts to a spouse, whether you file Form 709, and the lifetime exclusion a gift uses.

Estate Tax Exemption 2026

The $15,000,000 basic exclusion, portability for couples, and the federal estate tax on an estate above it.

Tax Brackets 2027 (projected)

Projected 2027 brackets and standard deduction for all four filing statuses, from the chained-CPI prints published so far.

2026 tax figures & contribution limits

IRS Mileage Rate 2026

72.5¢ a mile for business to June 30, 76¢ from July 1, with medical, moving and charity rates and a mileage reimbursement calculator.

IRS Mileage Rate 2027

Not announced yet: when the IRS usually publishes it, what applies until then, and the statutory 14¢ charity rate.

Tax Brackets 2026

The official 2026 federal brackets for all four filing statuses, with a bracket and tax calculator.

Standard Deduction 2026

Every filing status, the extra amounts at 65 and for blindness, and the senior deduction.

Capital Gains Tax Rates 2026

The 0%, 15% and 20% long-term breakpoints, and how much room is left in the 0% band.

Roth IRA & IRA Limits 2026

The 2026 IRA limit and age-50 catch-up, still open for contributions until the filing deadline.

Roth IRA Income Limits 2026

The MAGI phase-out ranges by filing status, with a reduced-contribution calculator.

Max 401(k) Contribution 2026

Your maximum by age, what is left this year and the amount per paycheck to reach it.

401(k) Limits 2026

Deferral limit, age-50 and ages 60–63 catch-ups, and the Roth catch-up wage threshold.

HSA Limits 2026

Self-only and family HSA limits, the age-55 addition, and the HDHP thresholds.

SIMPLE IRA Limits 2026

Standard and SECURE 2.0 higher-employer deferral limits, plus both catch-ups.

SEP IRA Limits 2026

25% of compensation up to the dollar cap, and the minimum-compensation threshold.

403(b) Limits 2026

The same §402(g) deferral limit as a 401(k), with both catch-ups.

457(b) Limits 2026

The governmental 457(b) deferral limit — separate from, not shared with, a 401(k) or 403(b).

TSP Limits 2026

Thrift Savings Plan deferral limit and catch-ups, including ages 60–63.

Catch-Up Contributions 2026

Every 2026 catch-up (401(k), IRA, SIMPLE, HSA), the ages 60–63 super catch-up and the new Roth catch-up rule.

FSA Limit 2026

The health FSA salary-reduction limit and the maximum carryover of unused amounts.

FICA Tax Rate 2026

Social Security and Medicare rates, the wage base, and the Additional Medicare Tax thresholds.

2027 contribution limits & FICA (projected)

SIMPLE IRA Limits 2027

Projected deferral limits and catch-ups, standard and SECURE 2.0 higher-employer schedules.

SEP IRA Limits 2027

Projected §415(c) dollar cap and minimum-compensation threshold.

403(b) Limits 2027

Projected §402(g) deferral limit and catch-ups.

457(b) Limits 2027

Projected governmental 457(b) deferral limit and catch-ups.

TSP Limits 2027

Projected Thrift Savings Plan deferral limit, including ages 60–63.

FSA Limit 2027 (projected)

Projected health FSA salary-reduction limit and carryover cap.

FICA Tax Rate 2027

Unchanged rates, plus the Social Security wage base.

Health insurance before 65 (ACA)

ACA Subsidy Calculator

Premium tax credit estimator including the 2026 cliff.

Federal Poverty Level 2026

The 2026 HHS poverty guidelines and an FPL calculator: your income as a percent of FPL, and the 138% and 400% lines for your household.

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.

ACA Subsidy Percentages 2027

The full 2027 applicable-percentage and FPL band table, including where the 400% cliff sits next year.

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 COLA Calculator 2027

Your monthly check after the official 2027 increase, the yearly difference, and the net after a Part B premium change.

Full Retirement Age Chart

Your full retirement age by birth year (66 to 67), the benefit at 62 and at 70, and a birth-date calculator.

Social Security Payment Schedule 2026

Every Social Security and SSI payment date for 2026 and 2027 by birth date, with the holiday shifts.

Social Security Earnings Limit 2026

How much you can earn while collecting before full retirement age, and a calculator for the benefits withheld above the limit.

Social Security Tax Limit 2026

The 2026 wage base, the most you can pay in Social Security tax, and the excess to claim back after two jobs.

Maximum Social Security Benefit 2026

SSA's maximum at 62, 65, 66, 67 and 70 for 2026, and why the taxable maximum caps it.

Spousal Benefits Calculator

Up to 50% of your spouse’s PIA: the early-claiming cut, your own benefit first, deemed filing and divorced-spouse rules.

Survivor Benefits Calculator

Up to 100% of the deceased’s benefit, 71.5% at 60, and the 82.5% widow’s limit when they claimed early.

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.

Social Security COLA 2027

The 2027 COLA as announced by SSA, and the statutory CPI-W formula that produced it.

Family tax credits 2026

Child Tax Credit 2026

$2,200 per child, up to $1,700 refundable, the $200,000/$400,000 phase-out and a calculator.

Earned Income Credit 2026

EITC up to $8,231: the maximum and income limits by children and filing status, with a calculator.

Withdrawal strategy & market history

Annuity Payout Calculator

Monthly income an immediate or deferred life annuity pays by age, sex and joint life, with break-even age and the taxable part of each payment.

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.

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.

Retirement Tax Calculators & Decision Tools