Three quick tools built on published IRS and Medicare figures. Each takes under a minute, runs entirely in your browser, and nothing you enter is stored or transmitted.
Under SECURE 2.0, Required Minimum Distributions begin at age 73 (born 1951–1959) or 75 (born 1960 or later). Estimate your first RMD and see how forced withdrawals grow.
| Year | Age | Projected balance | Estimated RMD |
|---|
RMD planning strategies →Reduce future RMDs with Roth conversions →
Assumes IRS Uniform Lifetime Table (spouse not more than 10 years younger), year-end balances, and steady growth. Educational estimate only — your actual RMD is calculated from the prior December 31 balance each year.
Medicare's income surcharge uses a 2-year lookback: your 2024 MAGI sets your 2026 premiums. Every threshold is a cliff — $1 over triggers the full tier.
How IRMAA works →Manage income around the cliffs →
2026 figures per CMS (announced Nov 14, 2025): standard Part B $202.90/mo. Surcharge applies per person. MAGI = AGI + tax-exempt interest. Married filing separately uses different thresholds not shown here.
When one spouse passes, the survivor typically keeps most of the household income — but files in single brackets with half the standard deduction. See the penalty in dollars.
Survivor tax planning →Roth conversions while still MFJ →
Uses 2026 federal brackets (IRS Rev. Proc. 2025-32) applied to taxable income; a surviving spouse may generally use MFJ brackets in the year of death and, with a dependent child, for two more years — this tool shows the ongoing single-filer years. State taxes, the senior deduction, and Social Security recalculation not included.
How much of your Social Security gets dragged into taxation depends on "provisional income" — thresholds set in 1983/1993 and never indexed for inflation. Includes an optional stress test of the projected 2032 funding gap.
How Social Security is taxed →Sequence withdrawals around the torpedo →
Provisional income = AGI (excluding SS) + tax-exempt interest + 50% of benefits. Thresholds: $25,000/$34,000 single, $32,000/$44,000 MFJ — unindexed since enactment. Up to 85% of benefits can be taxable. Stress test reflects the 2026 Trustees Report projection that the OASI fund depletes in late 2032, after which payroll taxes cover ~78% of scheduled benefits absent Congressional action; Congress has historically acted before such cuts occurred. The OBBBA senior deduction (2025–2028) may offset tax owed but does not change how much SS counts as taxable.
Free 2-minute self-assessment
The Retirement Tax Readiness Score connects RMDs, IRMAA, and the Widow Tax Penalty into one picture of your exposure — in 13 questions.
Get My Score →These calculators are educational tools based on publicly available IRS and CMS figures. Results are estimates from your inputs, are not verified, and do not constitute tax, legal, or investment advice or a recommendation of any product or strategy. Consult qualified professionals regarding your individual situation. IRS Circular 230: any tax information on this page is not intended or written to be used, and cannot be used, for the purpose of avoiding penalties under the U.S. Internal Revenue Code.