Release Notes
What's New in RetireSmartIRA
Built on real feedback from CPAs and retirees running the app against their own tax returns.
Version 1.9.0
June 2026
A planning release. See how your IRA and 401(k) balances draw down year by year across a 40-year horizon, whether you take just the RMD, cover a spending gap, or set a fixed withdrawal rate, plus refinements to New Jersey and New York retirement-income taxes.
Project your drawdown across 40 years
See your IRA and 401(k) balances drawn down year by year out to a 40-year horizon, with a balance-over-time chart and projected annual RMDs. Tap any year to read the exact figures, and flip the whole view between nominal and today's dollars.
Three ways to model your withdrawals
Take only the IRS-required minimum, cover a target spending gap after Social Security and pensions, or set a fixed withdrawal rate. Switch modes and watch the balance and future RMDs respond.
New Jersey and New York retirement-tax refinements
Refined New Jersey pension-exclusion handling, including the Worksheet D other-retirement-income exclusion and the income phaseout, plus a corrected New York pension and IRA exemption, so estimates in those states track the published worksheets more closely.
Backed by 1,271+ automated tests
The new drawdown projection and the state-tax refinements are pinned by automated regression tests checked against IRS publications and state worksheets, so the math stays correct in future releases.
Get 1.9.0 on the App Store
Available for iPhone, iPad, and Mac. No account required.
Version 1.8.7
June 2026
A data-accuracy release. ACA subsidy thresholds, IRA and 401(k) contribution limits, and Medicare IRMAA premium tiers corrected to the figures the IRS and CMS will use for the 2026 tax year.
ACA subsidy thresholds updated for 2026
Federal poverty level figures updated to the 2025 HHS guidelines ($15,650 single / $21,150 couple), and applicable percentage figures corrected to Rev. Proc. 2025-25 (2.10%–9.96%). The ACA cliff math now reflects what the IRS will actually use at tax time.
IRA and 401(k) limits updated for 2026
IRA limit updated to $7,500 with a $1,100 catch-up for age 50+. 401(k) limit updated to $24,500 with tiered catch-ups: $8,000 for ages 50–59 and $11,250 for ages 60–63 (SECURE 2.0 super catch-up).
IRMAA tiers corrected to 2026 CMS values
Medicare IRMAA Part B and Part D surcharges for tiers 2–4 corrected to the 2026 values published by the Centers for Medicare & Medicaid Services. Tier 4 Part B was the most significant change ($608.40 → $649.20/month).
Backed by 1,271 automated tests
Every calculation change is pinned by automated regression tests verified against IRS publications, HHS guidelines, and CMS schedules — so corrections stay correct in future releases.
Version 1.8.5
May 2026
A state-tax accuracy release. We re-verified state tax rules against official sources for the 2026 tax year — updating brackets, rates, and retirement-income rules across the country — plus a new Roth conversion withholding option.
2026 state tax data refreshed across all 50 states
We re-checked every state's income tax rules for the 2026 tax year and updated brackets, rates, and retirement-income treatment where states have changed the law — so your state tax estimate reflects current rules.
Verified against official sources
Every changed state was verified against primary sources — state departments of revenue, official rate schedules, and enacted legislation — not third-party tax summaries.
New: Roth conversion withholding option
Choose whether the tax on a Roth conversion is paid from outside money or withheld from the conversion itself, and see exactly how much actually lands in the Roth — including the state-specific treatment where it applies.
Backed by 1,100+ automated tests
Each state change is pinned by automated regression tests that check the math against the published rate schedule, so corrections stay correct in future releases.
Version 1.8.1
May 2026
Our most accurate and most readable release yet — every IRS limit, HHS poverty guideline, and ACA cliff threshold reflects 2026 values. Plus dozens of fixes from beta-tester feedback.
2026 IRS limits applied across the board
HSA contribution limits (Rev. Proc. 2025-19), HHS poverty guidelines, ACA cliff thresholds, and every contribution cap reflect 2026 values. Your numbers match what your CPA will use.
ACA cliff warnings tell the truth
Crossing the ACA subsidy cliff at year-end doesn't just cost you next year's help — you have to repay the advance credits you've already received. RetireSmartIRA now makes that consequence crystal clear, with dollar-specific repayment estimates.
Scenario Builder reorganized
Sections now flow the way a tax pro thinks: pre-tax contributions and charitable gifts (reduce AGI) → withdrawals → Roth conversions (strategic AGI increase). Step numbers renumber dynamically based on what's visible to you.
See your math
A new "How is Total Taxable computed?" disclosure shows every line: income − deductions − pre-tax contributions + Roth conversions = taxable. No more guessing what moved the number.
Total Taxable now responds to pre-tax contributions
Adjusting 401(k), Traditional IRA, or HSA contributions in the Scenario Builder now correctly reduces the Total Taxable header. Previously, only Roth conversions updated it — leading to confusing partial recalculation.
Refined Silver plan inputs and labels
The Silver plan benchmark now includes a caveat about household-specific costs, with a direct link to the KFF calculator for an exact estimate. "Extra Withdrawal" became "Additional Withdrawal." Duplicate Silver plan rows removed from Settings.
Stop guessing. Start planning.
Updated for 2026 IRS limits, HHS poverty guidelines, ACA cliff thresholds, and all 50 state tax brackets. Free to download.