Your planning tools
As you add information, each section will light up when there is enough to show a useful estimate.
Client Intake
Enter the household facts once. The calculators below stay in sync automatically, so the conversation can focus on what the numbers mean rather than re-entering data.
Client & tax profile
Drives the RMD calculation year and the Roth conversion year.
Include wages, pensions, IRA/401(k) withdrawals, taxable interest/dividends and other taxable income. Leave Social Security out — the tool adds the estimated taxable portion separately.
Optional. Used to estimate taxable Social Security and Roth-conversion headroom.
Optional. Usually municipal-bond interest; this is added back for Medicare MAGI.
Refine the income estimate
Optional. Examples include deductible IRA/HSA contributions or other adjustments that reduce AGI. Leave blank if unknown.
Use this if a CPA/tax projection already gives you taxable income and MAGI.
Income used for Medicare planning (MAGI) Estimate
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Estimated taxable income Estimate
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Enter expected income to build a planning estimate.
Show estimate assumptions
Income used to estimate Medicare costs
Medicare generally uses income from two years earlier to determine this year's income-related surcharges.
Medicare lookback income (MAGI) Waiting
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Use the tax return when available; otherwise the Suite can create a stand-in.
Social Security statement & accounts
Use a monthly benefit shown in the client’s my Social Security account or Social Security statement for any claiming age from 62–70.
Optional. Adds a household/spousal/survivor snapshot without changing the primary client’s simple 62–70 ladder.
If yes, the RMD tab will flag that IRS Table II (not the Uniform Lifetime Table used here) applies.
About the figures behind this tool. Full Retirement Age, delayed retirement credits, RMD required-beginning ages, the IRS Uniform Lifetime Table, 2026 IRMAA brackets, and 2026 federal tax brackets are built in and keyed to birth year / filing status. The tool also keeps current-year income separate from the two-year Medicare lookback, because they answer different planning questions. This is an educational planning aid, not a benefit verification, tax return, or Medicare determination — confirm figures against SSA / IRS / CMS primary sources before finalizing recommendations.
Social Security Options
Uses one monthly benefit estimate from the client’s Social Security statement to compare claiming ages from 62–70.
From client intake
Birth year
Full retirement age
Social Security estimate age
Social Security monthly estimate
Benefit anchor
Delayed retirement credit
Estimated monthly benefit at full retirement age
Lifetime comparison
Defaults to age 90. This only changes the cumulative comparison horizon; it does not change the estimated monthly benefit at any claiming age. Future COLAs are not included in this comparison.
Benefit by claiming age
| Claiming age | Strategy | Months vs. FRA | Factor | Monthly | Annual | Total through age 90 |
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Show how the estimate is built
Assumes claiming occurs on a birthday. Figures are estimates — always confirm with the client's my Social Security statement.
Required Withdrawals
Estimates required minimum distributions (RMDs) and shows how those required withdrawals may change over time.
From client intake
Birth year
Calculation year
Prior year-end balance
Spouse >10 yrs younger?
What this calculation uses
The current-year RMD is based on the prior December 31 balance and the IRS life-expectancy factor for the client’s age. Future-year projections depend on an assumed return.
Planning assumptions
Planning assumption used only for the forward projection, not this year’s required distribution.
This year
Current age
RMD required-beginning age
RMD required this year?
IRS life-expectancy factor
Current-year RMD
Projection to age 100
| Year | Age | RMD age reached? | Divisor | Beginning balance | RMD | Year-end balance |
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Show current-year calculation
Illustrative only: assumes a constant growth rate, ignores market volatility, additional contributions/withdrawals, Roth conversions, and QCDs.
Medicare Income Surcharges
Shows whether income may add an IRMAA surcharge to Medicare premiums, using the income year Medicare normally looks back to.
From client intake
Filing status
Income Medicare is using
Household detail
Leave at 0 to use the national average base premium (~$34.50/mo).
How close you are to the next Medicare threshold
Crossing a threshold by even $1 triggers the full surcharge for that level. A qualifying life-changing event may support a Form SSA-44 request to use more recent income.
Could a life-changing event reduce the surcharge?
Use only when retirement, work stoppage, marriage/divorce, death of a spouse, loss of income-producing property, loss of pension income, or an employer settlement may qualify.
Projected MAGI for the lower-income year you would ask SSA to use.
Monthly premiums (per person)
Part B surcharge
Part D surcharge
Total Part B premium
Total Part D premium
Total per person / month
Annual IRMAA surcharge — household
Show how this Medicare estimate is built
Crossing a threshold by even $1 triggers the full surcharge for that level — worth staying safely under it when practical.
Roth Conversion Options
How much appears available to convert before moving into the next federal tax bracket or crossing the next Medicare surcharge threshold?
From client intake
Filing status
Taxable income
MAGI
Conversion year
Planning approach
The headline result uses the next tax-bracket and Medicare thresholds. A cushion or separate planning ceiling can be applied when appropriate.
Planning assumptions
What’s limiting the conversion room
Limiting factor
Baseline Recommendation
Current marginal bracket
Room before the next limit
Planning conversion amount
Estimated federal tax cost
Resulting taxable income
Resulting MAGI
Planning ceiling fit
Show how the conversion room is calculated
Includes federal ordinary-income brackets, Medicare surcharge thresholds, and — when household Social Security is entered — the additional Social Security that a conversion can cause to become taxable. It does not model NIIT, state tax, QBI phase-outs, or every item that can affect MAGI. The Medicare threshold is a planning proxy for the surcharge year two years after the conversion.