RetireSmartIRA

Will your savings last? The new Retirement Drawdown view projects your IRA and 401(k) balances against Social Security, RMDs, and Medicare IRMAA, year by year.

Plan your retirement taxes like a pro, and stay on top of them all year long.

RetireSmartIRA answers the questions that take a CPA hours to model: Roth conversions, Social Security claiming, RMDs, IRMAA, ACA cliff, charitable timing. Real numbers in real time. Built for people who want answers, not generic advice.

ANSWER THE QUESTIONS THAT ACTUALLY MATTER

• What if I convert $200K to Roth this year? See federal tax, state tax, and Medicare IRMAA impact instantly. • Will my savings last? Project how your IRA and 401(k) balances draw down over 40 years, by spending target, withdrawal rate, or RMDs only. • When should my spouse and I claim Social Security? Find the strategy that pays the most over both your lifetimes, and protects the survivor. • How much will my RMDs be in 10 years? Project required distributions for IRAs, 401(k)s, and inherited IRAs out to 40 years. • Which year should I do that big charitable gift? Stack it against Roth conversions and see your real tax bill, not an estimate.

SCENARIO BUILDER: Plan in real time

Adjust Roth conversions, IRA withdrawals, pre-tax contributions, and charitable donations with sliders. Every change updates the tax waterfall, federal bracket, state bracket, and IRMAA tier instantly. See how much room you have before the next bracket, and what crossing it would cost.

KNOW EXACTLY WHAT YOU'LL OWE

One screen shows it all: • Federal tax (2026 brackets) • State tax (all 50 states + DC, including state-specific pension and retirement-income exclusions) • NIIT 3.8% surtax • IRMAA Medicare surcharges (per person, with cliff distance) • ACA Premium Tax Credit and cliff repayment risk • Standard vs. itemized with SALT cap math

No spreadsheets. No black boxes. Every dollar traces back to the input that produced it.

SEE WHETHER YOUR SAVINGS LAST

New in 1.9: the Retirement Drawdown view projects how your IRA and 401(k) balances spend down over 40 years. Model it three ways: RMDs only (your baseline), a target spending level with the gap filled after Social Security and pensions, or a withdrawal rate. Watch your balances year by year, see when your income reaches the first Medicare IRMAA tier, and toggle between future and today's dollars.

SOCIAL SECURITY COUPLES PLANNER

The decision that drives the surviving spouse's check for life. Compare claiming at 62 vs. FRA vs. 70 for both spouses, with cumulative lifetime benefits, survivor protection, deemed-filing rules, and tax integration in one view. Includes a Couples Optimization recommendation based on both your records.

RMD CALCULATOR FOR YOUR IRA AND INHERITED IRAs

Most calculators get inherited IRAs wrong. RetireSmartIRA handles them all: Traditional IRA / 401(k) RMDs at 73 (or 75 under SECURE 2.0), spousal inherited IRAs, the 10-year rule for non-eligible designated beneficiaries, stretch options for eligible designated beneficiaries, pre-RBD vs. post-RBD treatment, and minor children stretching to majority. Project household RMDs out to 40 years with adjustable growth.

WHO IT'S FOR

• Pre-retirees ages 55 to 73 evaluating Roth conversion windows • Retirees managing RMDs, IRMAA, and the ACA cliff • Couples planning Social Security claiming strategy • Federal/military households (FERS, military retirement exemptions, VA Disability) • Anyone inheriting an IRA and planning the 10-year drain

ALWAYS CURRENT

Every IRS limit, HHS poverty guideline, ACA cliff threshold, and Medicare bracket reflects 2026 values. Updated as Congress changes the rules.

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. Universal purchase: buy once, run everywhere. Designed for iOS 18 and macOS 15.