Everything You Need for Smarter Retirement Tax Decisions
Avoid costly mistakes, reduce your tax bill, and walk into every conversation with your advisor fully prepared — all on your iPad or Mac.
Available for iPad & Mac · No account required
Keep More of Your Money
Model Roth conversions, extra IRA withdrawals, and charitable distributions to see the real-time impact on your federal and state taxes — before you make a move that can't be undone.
- ✓Per-spouse Roth conversion and withdrawal sliders
- ✓QCD support up to $111,000 per person
- ✓Appreciated stock donation with capital gains analysis
- ✓Instant federal + state + IRMAA recalculation
Never Miss an RMD — or Take More Than You Need
Calculate exactly what the IRS requires you to withdraw this year, and see how future distributions will affect your taxes. Supports traditional IRAs, inherited IRAs, and 401(k) rollovers.
- ✓IRS Uniform Lifetime Table calculations
- ✓Per-account RMD breakdown
- ✓Multi-year projections with adjustable growth rates
- ✓Inherited IRA support with 10-year rule tracking
Avoid Surprise Medicare Surcharges
See exactly where your income falls relative to IRMAA cliffs. A single dollar over a threshold can trigger thousands in annual Medicare premiums — know before it's too late to act.
- ✓Part B and Part D surcharge calculations
- ✓Cliff-based warning indicators
- ✓Distance to next and previous tier thresholds
- ✓Per-decision IRMAA impact tracking
Find Out If Moving Could Save You Thousands
All 50 states ranked by income tax for your specific situation. Drill into any state for retirement income exemptions, bracket breakdowns, and exactly how much you'd save — or pay — by relocating.
- ✓Personalized rankings based on your income
- ✓Retirement income exemption details per state
- ✓Savings analysis for potential relocation
- ✓Search by state name or abbreviation
Your Complete Income Picture in One Place
Social Security, pensions, dividends, capital gains, and more — all tracked in one place with withholding per source. Stop wondering whether to itemize: RetireSmart IRA compares it for you automatically.
- ✓Multiple income source types with withholding tracking
- ✓Itemized deductions: mortgage, property tax, medical, SALT
- ✓Medical expense 7.5% AGI floor calculation
- ✓Automatic standard vs. itemized comparison
Pay the Right Amount Every Quarter — Not a Penny More
Underpay and face penalties. Overpay and give the IRS an interest-free loan. RetireSmart IRA calculates your exact quarterly estimated payments with IRS safe harbor rules built in.
- ✓Payment schedule with Q1-Q4 due dates
- ✓90% safe harbor calculation
- ✓Federal and state withholding gap analysis
- ✓Dynamic recalculation from scenario changes
Walk Into Your CPA's Office Fully Prepared
Generate a comprehensive PDF covering all your income, deductions, tax calculations, and scenario decisions. Hand it to your tax advisor and make every minute count.
- ✓Complete income and deduction breakdown
- ✓Federal and state tax calculations
- ✓Scenario decision summary
- ✓Professional formatting for advisor review
Your Financial Data Stays on Your Device. Period.
No accounts to create. No cloud sync. No analytics. No third-party SDKs. Your financial information is never transmitted anywhere — delete the app and every number disappears with it.
- ✓Zero data transmission to external servers
- ✓No analytics or tracking frameworks
- ✓No account creation required
- ✓All calculations performed on-device
Start Planning Your Retirement Taxes
Updated for 2026 federal tax brackets and all 50 state tax rates. Free to download.