Each calculator reveals a different piece of your retirement tax picture. Use them together to build a complete strategy.
Discover hidden tax costs you didn't know existed
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 and avoid the cliff.
Build a multi-year strategy to minimize lifetime taxes
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.
Enter any conversion amount and see the exact federal tax cost, effective rate, and bracket fill — with automatic IRMAA and Social Security torpedo warnings.
Execute the right withdrawal sequence year by year
Start with the Social Security Tax Torpedo Calculator — it takes 60 seconds and shows you whether the tax torpedo affects your situation. From there, the calculator will guide you to the right next step.
