Tax torpedoes, Roth conversion windows, RMD impact — we build the calculators that reveal the expensive surprises hiding in retirement tax law. All free, all client-side, no data collected.
Discover your real effective marginal tax rate on IRA withdrawals — which can hit 40.7%+ when Social Security taxation is triggered. See exactly where your torpedo zone is.
IRMAA operates on cliff thresholds — $1 over the line can cost thousands in annual Medicare surcharges. See your exact headroom, model any income event, and avoid the cliff.
Model your optimal annual Roth conversion strategy: fill tax brackets, avoid IRMAA cliffs, and reduce future RMDs — all while accounting for the Social Security tax torpedo.
Retirement tax planning is full of hidden complexity that generic financial tools ignore. The Social Security tax torpedo, IRMAA surcharges, the Roth conversion window — these are real, quantifiable forces that affect millions of retirees and near-retirees. Our retirement planning calculators make these invisible effects visible, so you can make informed decisions before the money has already moved.
All calculators run entirely in your browser. We never see your numbers, never ask for your email, and never sell your data. The math is open — check the source code any time.