RetireSmartIRA

Plan your retirement taxes like a pro — this year, next year, and across retirement.

RetireSmartIRA helps you model the tax decisions usually scattered across spreadsheets, IRS worksheets, and CPA meetings: Roth conversions, Social Security timing, RMDs, IRMAA, the ACA cliff, and more. It's built for the financially engaged: people who want to understand their numbers, not just be told what to do.

No spreadsheets, no black boxes: every dollar traces back to the input that produced it.

ANSWER THE QUESTIONS THAT ACTUALLY MATTER

• What will I owe this year? Estimate federal tax, state tax, NIIT, IRMAA, ACA effects, and withholding needs before tax time.
• How much should I convert to Roth this year, and over time? Build a multi-year conversion ladder instead of guessing.
• When should my spouse and I claim Social Security? Compare claiming strategies across both lifetimes and survivor outcomes.
• Which year should I make a major charitable gift? Test gift timing against conversions and your projected tax bill.
• What does my family actually keep? Compare your lifetime taxes with what heirs may owe on inherited IRA assets.

MULTI-YEAR TAX PLAN

The Multi-Year Plan builds a Roth conversion strategy across your retirement horizon, then lets you choose how to convert: minimize lifetime tax, fill to a target tax bracket, or stay under a Medicare IRMAA tier. Compare the approaches side by side.

Choose how each year's conversion tax is paid, and enter wages and pension income year by year for either spouse.

See the projected impact on lifetime taxes, ending IRA and Roth balances, future RMDs, IRMAA exposure, and inherited-account taxes. Model charitable giving (QCDs and cash gifts), adjust any year, review the assumptions, and export a CPA-ready briefing.

SCENARIO BUILDER: PLAN IN REAL TIME

Test Roth conversions, withdrawals, QCDs, charitable gifts, withholding, and Social Security changes before you act. One screen shows federal tax (2026 brackets), state tax (all 50 states + DC), NIIT, IRMAA surcharges, ACA effects, standard vs. itemized with SALT cap math, and taxable brokerage income. See the cost of each converted dollar: every bracket, state step, and surcharge named where it begins.

QUARTERLY ESTIMATED TAXES

Record what you have paid: a payment ledger with dates and federal and state amounts, measured against each IRS due date and your safe-harbor target. Withholding counts across the year the way the IRS credits it, and your coverage prints in the report.

RETIREMENT DRAWDOWN

Project how your IRA and 401(k) balances spend down over 40 years: RMDs only, a target spending level, or a withdrawal rate. See when your income reaches the first Medicare IRMAA tier, in future or today's dollars.

SOCIAL SECURITY COUPLES PLANNER

Compare claiming at 62 vs. FRA vs. 70 for both spouses, with lifetime benefits and survivor protection side by side.

RMD CALCULATOR FOR YOUR IRA AND INHERITED IRAs

Most calculators get inherited IRAs wrong. RetireSmartIRA handles RMDs at 73 (or 75 under SECURE 2.0), spousal inherited IRAs, the 10-year rule, and stretch options for eligible beneficiaries.

WHO IT'S FOR

• Anyone doing this year's retirement tax planning: conversions, withdrawals, charitable gifts, withholding
• Pre-retirees mapping out a multi-year Roth conversion strategy
• Retirees managing RMDs, IRMAA, and the ACA cliff
• Anyone with a government pension, 457 or 403(b) whose state taxes it differently
• Federal/military households (FERS, military retirement, VA Disability)

ALWAYS CURRENT

Every IRS limit, HHS poverty guideline, ACA threshold, and Medicare bracket reflects 2026 values. State tax data is verified against each state's own published forms, and every state shows the date it was last checked and the sources behind it.

PRIVATE BY DESIGN

Your financial data never leaves your device: no cloud accounts, no data harvesting, no ads, no subscriptions.

BUILT FOR APPLE

Native iPhone, iPad, and Mac app. Free on all three.