Retirement Tax Planning. Simplified.
Model Roth conversions, calculate RMDs, avoid Medicare IRMAA surcharges, and compare state taxes — all with real-time projections updated for 2026 tax law.
Everything You Need to Plan Your Retirement Taxes
Built for retirees and pre-retirees managing IRA and 401(k) accounts.
Tax Scenario Modeling
Model Roth conversions, QCDs, and extra withdrawals with real-time federal and state tax impact for both spouses.
RMD Calculator
Current-year RMDs plus multi-year projections with adjustable growth rates. Supports traditional, Roth, and inherited IRAs.
Medicare IRMAA Analysis
See exactly where your income falls relative to Medicare surcharge cliffs. Avoid costly IRMAA jumps before they happen.
State Tax Comparison
All 50 states ranked by state income tax for your specific income. Detailed breakdowns and relocation savings analysis.
Quarterly Tax Planning
Estimated tax payment scheduling with safe harbor rules. Never overpay or underpay your quarterly estimates.
PDF Export
Generate comprehensive tax summary reports covering income, deductions, scenarios, and projections to share with your advisor.
See It in Action
Powerful retirement tax planning tools on every Apple device.
Tap any screen below to explore
Tax Summary
Get a complete picture of your federal and state tax situation — income breakdowns, bracket visualization, IRMAA surcharges, quarterly estimates, and one-tap PDF export for your CPA.
Your Data Never Leaves Your Device
Privacy is a core principle, not an afterthought. RetireSmartIRA stores everything locally on your device with zero cloud sync.
- ✓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
Start Planning Your Retirement Taxes
Updated for 2026 federal tax brackets and all 50 state tax rates. Free to download.