Reduce lifetime retirement taxes by tens of thousands.
See how today's Roth conversions, Social Security timing, and withdrawal decisions affect your taxes, Medicare premiums, and lifetime wealth — years before mistakes become irreversible.
Most retirement software helps answer “Can I retire?”
RetireSmartIRA helps answer “What should I do this year?”
Roth conversions, charitable timing, withdrawal sequencing — full visibility into what each costs.
What real users are saying
From verified App Store reviews.
“Tools like Boldin help with long-term retirement planning, but leave a hole when trying to see the impact of competing financial decisions for a single year. RetireSmartIRA uses sliders and graphs to show benefits and tradeoffs of different contributions, conversions, and withdrawals.”
RP C510
App Store · v1.8
“It even helped identify a flaw in a homemade spreadsheet I had made for the same questions.”
Kaveat Emptor
App Store · v1.8
“Gave me insights and guidance I would not have clued into anywhere else. Best tool I have in the toolbox for retirement planning.”
GregorJames
App Store · v1.6
See It in Action
Powerful retirement tax planning tools on every Apple device.
Click any screen below to enlarge
Roth Conversion Impact
What if I convert $200K to Roth this year? See federal tax, state tax, and Medicare IRMAA impact instantly — with a tax waterfall, bracket position, and room before the next bracket all in one view.
One App. Every Retirement Tax Decision.
Built for retirees, pre-retirees, federal/military households, ACA enrollees, and anyone serious about minimizing lifetime tax.
Scenario Builder
Roth conversions, IRA withdrawals, charitable gifts, and QCDs — every change updates the tax waterfall, federal bracket position, and IRMAA tier in real time.
Social Security Couples Planner
Compare claiming at 62, FRA, and 70 for both spouses. See cumulative lifetime benefits, survivor protection, and a recommended couples strategy.
RMD Calculator
Traditional, Roth, and inherited IRAs — projected 5, 10, 15, or 20 years out. Handles the 10-year rule, eligible designated beneficiaries, and SECURE 2.0.
Medicare IRMAA + ACA Cliff
See exactly where your income falls relative to IRMAA tiers and the ACA subsidy cliff. Cross either, and you'll know what it costs before you do it.
Family Legacy Planning
See how today's Roth conversion affects family wealth across decades, with widow bracket-jump modeling and SECURE Act 10-year drawdown analysis.
State Tax Comparison
All 50 states ranked by income tax for your specific scenario. Including California's 13.3% top rate. Drill in for retirement income exemptions.
Quarterly Tax Planning
Federal and state estimates with IRS safe harbor (90% current-year or 110% prior-year) built in. Schedule updates automatically as scenarios change.
CPA-Ready PDF Export
One-tap export of income, deductions, scenario decisions, and projections. Walk into your advisor's office fully prepared.
Who is this for?
Six common situations, all asking the same question: what should I do this year? RetireSmartIRA adapts to where you are in retirement — without switching modes or losing the full picture.
Early retirement, ACA coverage
MAGI minimization + IRMAA-free runway
“I just retired at 58. My ACA subsidy depends on my income — when can I do Roth conversions without blowing it up?”
Early retirement, higher income
IRMAA-free runway + RSU / NQDC unwind
“I'm 60 with concentrated stock and deferred comp. How do I unwind before 65 without triggering IRMAA the moment I sign up for Medicare?”
The conversion window
Strategic Roth conversions before RMDs
“I'm 67 with a window before RMDs hit at 73. How much should I convert each year — and what does it cost in IRMAA?”
RMD management
RMDs + QCDs + charitable timing
“RMDs are forcing my income up every year. I'd rather give to charity than to the IRS — what's the optimal path?”
Planning for the surviving spouse
Joint-year aggression before the bracket cliff
“When one of us passes, the survivor moves from MFJ to single — and the tax bill jumps. How do we soften that now?”
Planning for heirs
Convert at your bracket vs. theirs
“My kids are in higher brackets than I am. Should I convert now so they inherit Roth, or leave them to figure it out?”
One product. One engine. Adaptive emphasis based on your situation — not a mode switcher that hides the rest of the picture.
From the founder
Built by someone who needed it himself
Every December I'd sit down to figure out this year's Roth conversion, this year's charitable gift, this year's estimated taxes — spreadsheets, backs of napkins, and a folder full of half-finished models. The existing retirement tools showed me a 30-year picture, but not the annual decisions that actually shape it.
I was co-founder of GTNexus (now InforNexus), trusted by the world's largest global supply chains. Two decades of building mission-critical enterprise software taught me that the hardest problems are the ones where a dozen variables interact in non-obvious ways. Retirement tax planning is exactly that — and it deserved a real app.
So I built it. RetireSmartIRA gives you full insight into the math and the strategy, so you can make the best decisions for yourself.
— John Urban, Founder
Read the full story →Your Data Never Leaves Your Device
Your financial data never leaves your device. No bank aggregation. No data harvesting. No cloud profiling.
- ✓No data transmitted to any server, cloud service, or third party
- ✓No analytics, advertising, or tracking frameworks
- ✓Delete the app and all data is permanently removed
Stop guessing. Start planning.
Updated for 2026 IRS limits, HHS poverty guidelines, ACA cliff thresholds, and all 50 state tax brackets. Free to download.