Retirement Tax Calculators
Every tool on this site runs the same math a family office would — 2026 brackets, IRMAA tiers, and the IRS tables — right in your browser. Nothing is stored, nothing is sold. Pick the question you're trying to answer.
Three calculators, one engine
Each tool answers one question well. They share the same bracket math, so the numbers agree with each other.
Roth Conversion Tax Calculator
Should you convert at all — and how? Compare leaving it traditional, converting in one lump, laddering the conversion, and converting with a deduction offset, across your whole retirement.
Run the numbers →IRMAA Surcharge Calculator
Enter your filing status and MAGI to see your 2026 Medicare surcharge, your headroom to the next cliff — and exactly how large a Roth conversion you can do without crossing it.
Check your tier →Inherited IRA RMD Calculator
Does the 10-year rule apply to you? Do you owe an RMD this year? Get your regime, this year's required withdrawal, and a year-by-year schedule from the IRS Single Life table.
Get your schedule →How these connect. A Roth conversion raises the MAGI that sets your IRMAA tier two years later — which is why the IRMAA calculator shows conversion headroom, and the conversion calculator prices the surcharge into its four paths. And if you inherit an IRA, the withdrawals the RMD calculator schedules are ordinary income that can themselves trigger IRMAA — the three tools are one tax picture.
Guides that pair with each tool
Roth Conversion Guide
The complete playbook — brackets, the two five-year rules, pro-rata, and when converting works against you.
Read the guide →How to Avoid IRMAA
What counts as MAGI, why the brackets are cliffs, and the moves that keep you under a threshold.
Read the article →QCDs From an Inherited IRA
If you're 70½, a qualified charitable distribution can satisfy an inherited-IRA RMD without touching your income.
Read the article →