About RetireSmartIRA
Built for retirees and pre-retirees who want to understand their tax situation before making withdrawal decisions.
Why I built RetireSmartIRA
Every December I'd sit down to figure out this year's Roth conversion, this year's charitable gift, this year's estimated taxes — armed with 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.
Roth conversions, RMDs, IRMAA tiers, the ACA cliff, Social Security claiming — every decision interacted with every other one, and none of the existing tools showed the full picture for a single year. I'd end every planning session with the same thought: this should be a real app.
So I built it. RetireSmartIRA is the app I wish I had when I was 60.
About me
I was co-founder of GTNexus (now InforNexus, after the acquisition by Infor). It remains the world's largest multi-enterprise supply chain visibility and finance platform. Two decades of building 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 most existing tools either oversimplify it or expect you to be a CPA.
RetireSmartIRA is built on a different principle: give you full insight into the complex tax law and strategies that shape retirement decisions, show every variable and every interaction with the math fully visible, and let you make the best decisions for yourself. Your financial life is yours — no accounts, no cloud, no tracking.
— John Urban, Founder
Why RetireSmartIRA?
- ✓Model Roth conversions, QCDs, and withdrawals to see the tax impact before you act
- ✓Avoid costly Medicare IRMAA surcharges with cliff-based threshold analysis
- ✓Compare state taxes across all 50 states for your specific income scenario
- ✓Generate PDF reports to share with your tax advisor
- ✓Complete privacy — all data stays on your device
Technical Highlights
- •Native SwiftUI app for iPhone, iPad, and Mac
- •Updated for 2026 federal tax law and all 50 state tax rates
- •All calculations performed on-device — no internet required
- •No subscriptions — download and use
Disclaimer
This app provides estimates for planning purposes only. It is not tax advice. Consult with a qualified tax professional or financial advisor for personalized advice. Tax laws and regulations may change. The developer is not affiliated with any financial institution.
© 2026 Alamo Ventures Group LLC. All rights reserved.
Stop guessing. Start planning.
Updated for 2026 IRS limits, HHS poverty guidelines, ACA cliff thresholds, and all 50 state tax brackets. Free to download.