RothTaxPlanner
$49 once
RMDs, withdrawal order, taxes, and Medicare IRMAA — modeled side by side for two strategies at once, with a report built to hand your CPA or CFP.
The real tool — two strategies compared side by side, with the IRMAA-timing chart that's the whole point.
Ages, account balances, Social Security, and spending — the same inputs you'd bring to a planning meeting.
Try different withdrawal orders and Roth conversion approaches side by side, year by year.
Watch taxes, RMDs, and IRMAA play out — and take a clean report to your CFP or CPA.
Compare withdrawal order and Roth conversion choices against each other, year by year — not one plan viewed in isolation.
A dedicated chart plots taxable income against the real Medicare IRMAA threshold, with the true two-year lookback most tools skip.
Required minimum distributions use the current Uniform Lifetime Table, not a rounded approximation.
Still consulting or working part-time? It's built into every bracket and conversion-room calculation, not bolted on.
Print a clean, professional year-by-year comparison sized to the page — ready for your next planning meeting.
Every calculation runs in your browser. Nothing you type is ever sent to or saved on a server.
Sample output below — real numbers from the tool's own default scenario, not mocked-up placeholders.
| Age | SS income | RMD | Conv. (A) | Taxes (A) | Conv. (B) | Taxes (B) | IRMAA (B) |
|---|---|---|---|---|---|---|---|
| 69 | $20,000 | $0 | $0 | $0 | $201,050 | $38,167 | — |
| 70 | $51,250 | $0 | $0 | $0 | $201,050 | $45,281 | — |
| 71 | $52,531 | $0 | $0 | $0 | $201,050 | $49,405 | $2,105 |
| 72 | $53,845 | $0 | $0 | $0 | $0 | $0 | $2,105 |
| 73RMD starts | $55,191 | $28,897 | $0 | $1,724 | $0 | $0 | $5,287 |
No subscription, no login next year, no renewal notice. Pay once, use it every year for the rest of your retirement.
No. It's a modeling tool built to help you bring real numbers to your CPA, CFP, or tax advisor — not to replace their judgment.
No login, ever. After purchase you get a private link to the tool — bookmark it and return anytime.
No. Every calculation runs locally in your browser and is never sent to or saved on a server.
Brackets, standard deduction, and IRMAA tiers are editable fields in the tool, so it stays current without a new purchase.
Yes — run it as many times as you like, for as many combinations of assumptions as you want.
Email within 7 days of purchase for a full refund — no questions asked.