RetireSmartIRA

v1.8.5 refreshes state tax brackets for tax year 2026 across 26 states, each verified against state Department of Revenue sources. Free, on-device, updated for 2026.

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. • 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 your IRAs, 401(k)s, and inherited IRAs out 5, 10, 15, or 20 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 position, state bracket, and IRMAA tier instantly. See exactly 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 California's 13.3% top rate) • NIIT 3.8% surtax • IRMAA Medicare surcharges (per person, with cliff distance and savings opportunities) • ACA Premium Tax Credit and cliff repayment risk • Standard vs. itemized comparison with SALT cap math

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

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. See 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 starting at age 73 (or 75 under SECURE 2.0) • Spousal inherited IRAs with deferral options • Non-eligible designated beneficiaries (the 10-year rule) • Eligible designated beneficiaries (stretch IRA holdouts) • Pre-RBD vs. post-RBD decedent treatment • Minor children stretching to majority

Project annual RMDs out 20 years with adjustable growth assumptions. Stack household RMDs across both spouses.

WHO IT'S FOR

• Pre-retirees ages 55–73 evaluating Roth conversion windows • Retirees managing RMDs, IRMAA, and the ACA cliff • Couples planning Social Security claiming strategy • Federal/military households (FERS, military retirement state exemptions, VA Disability) • Anyone inheriting an IRA and needing to plan the 10-year drain • Tax-aware investors who want to minimize lifetime tax, not just this year's

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.