Each calculator answers one question with the same calculations and official figures as the Deorbit Plan simulator. Every page works an example, lists what the tool leaves out and links its sources.
- Marginal-rate mapSee what your next dollar of IRA withdrawals really costs: brackets, the Social Security tax torpedo, capital-gains stacking, NIIT, and the IRMAA and ACA cliffs.Taxes in retirement
- RMD calculatorEnter a birth year and balance to see the required minimum distribution and the IRS divisor behind it.RMDs, inheritance & giving
- Roth conversion tax calculatorEnter filing status, other income and a conversion amount to see the federal tax on the conversion and the brackets it fills.Roth conversions
- Social Security break-even calculatorCompare claiming at 62, 67 or 70 and see the month a later claim catches up.Social Security
- Medicare late-enrollment penalty calculatorEstimate the Part B and Part D penalties that follow a late Medicare enrollment.Medicare & IRMAA
- IRMAA calculatorEnter MAGI and filing status to see your Medicare IRMAA tier, Part B and Part D surcharges, and how close the next cliff is.Medicare & IRMAA
- Social Security tax calculatorSee how much of your Social Security is taxable: provisional income, the 50% and 85% zones, and the real tax on your next dollar.Social Security
- ACA subsidy cliff calculatorEnter household size, MAGI and your benchmark premium to see your premium tax credit, your expected contribution, and what crossing 400% of the poverty line costs.ACA & early retirement
- 0% capital gains calculatorSee how much long-term gain fits in the 0% bracket this year, with the age-65 and senior deductions, and the tax on the gain you plan to take.Taxes in retirement
- Roth conversion room calculatorEnter this year’s income so far to see how much more you can convert before the next bracket, IRMAA tier, ACA cliff or senior-deduction phase-out.Roth conversions
- Pro-rata rule calculatorBackdoor Roth with an old IRA? Enter your basis and year-end IRA balances to see how much of a conversion is taxable, line by line from Form 8606.Roth conversions
- Roth conversion ladder calculatorBuild a year-by-year ladder: what to convert each year, when each rung becomes penalty-free, and the bridge the first five years need.Roth conversions
- NUA calculatorCompany stock in a 401(k)? Compare the federal tax of the NUA election with rolling the shares to an IRA, year by year, and find the break-even basis.Taxes in retirement
- Retirement deadlines calendarEstimated-tax, IRA and HSA, RMD, Roth conversion, QCD, Medicare and Marketplace dates in one list, with your own ages merged in and a calendar file to download.Taxes in retirement
- Key numbers for 2027Brackets, deductions, contribution limits, IRMAA tiers and other 2027 figures on one printable page.Taxes in retirement
To see every year of a plan across thousands of market paths, use the simulator. Guides to the rules are in Learn.
These tools show how the rules work. They are not financial, tax or investment advice. See the disclaimer.