Know exactly what retirement — and the IRS — will actually cost you.
TaxWiseRetire projects your retirement income, required minimum distributions, and federal + state taxes, year by year, so you can plan with real numbers instead of guesswork. It also models the details most calculators skip — Medicare IRMAA surcharges and smart Roth conversion timing.
No credit card required. Build your first plan in minutes.
What TaxWiseRetire calculates
One plan, every moving part accounted for
Most retirement calculators stop at a single number. TaxWiseRetire models your whole household — every account, every year, every tax bracket — so nothing catches you off guard.
Year-by-year projections
See income, withdrawals, and account balances play out year by year through retirement, not just a single lump-sum estimate.
RMDs handled automatically
Required minimum distributions are calculated using the IRS Uniform Lifetime Table, applied to every account that needs them.
Federal & state taxes, together
Combined federal and state tax calculations for all 50 states and DC, across all five IRS filing statuses.
Built for real households
Model every person and every account in your household — traditional and Roth IRAs, 401(k)s, HSAs, brokerage, real estate, Inherited IRAs, and more. A real estate account feeds property-tax cost modeling directly into your plan.
Social Security, done right
Provisional-income testing determines how much of your Social Security benefit is actually taxable — not a flat guess.
Take it with you
Export your full plan to a detailed, multi-sheet Excel workbook you can review, share, or bring to your advisor.
Medicare IRMAA, planned for
Most retirement calculators skip this entirely. TaxWiseRetire projects Part B and Part D IRMAA surcharges year by year, so a big RMD or Roth conversion doesn't come with a surprise premium hike.
Smarter Roth conversions
Set a target bracket ceiling, and TaxWiseRetire works out how much to convert each year to fill it — capped by your actual account balances, and optionally aware of Medicare IRMAA thresholds too. See exactly whether converting saved you money, year by year.
Best states to retire in Paid
Re-run your exact plan against every other state's tax rules and see which ones genuinely save you money — combined income tax, property tax, and cost of living, not income tax alone.
Claim at 62, FRA, or 70? Paid
See your full plan re-run all three ways, using the real SSA early-claiming and delayed-credit formula to adjust each scenario's benefit — not just a bigger monthly number.
ACA subsidy cliff, modeled
Retiring before 65? TaxWiseRetire projects your ACA marketplace premium tax credit against the 400% poverty-line cliff, year by year — reinstated law as of 2026.
Stress-test against market volatility Paid
Monte Carlo simulation runs your exact plan hundreds of times against randomized market returns and reports the percentage of trials where your money actually lasted — not just what happens on average.
HSA-aware
Handles Health Savings Account withdrawals correctly, distinguishing qualified medical expenses from other withdrawals and applying the right tax and penalty treatment.
IRS-max contribution top-up
Optionally have TaxWiseRetire automatically size contributions up toward the IRS annual maximum, using a two-pass refinement so the numbers land close to the limit without overshooting.
Find your optimal Roth ceiling automatically Paid
Not sure what bracket ceiling to target? The Roth Ceiling Optimizer searches a range of federal bracket ceilings and IRMAA-avoidance settings against your own plan and recommends the one that best fits your goal, then applies it in one click.
Inherited IRA & the SECURE Act 10-year rule
Already inherited a Traditional or Roth IRA? Add it as an Inherited IRA account and TaxWiseRetire calculates its required distributions automatically under the SECURE Act — the 10-year deadline, or an annual stretch payment if you're an Eligible Designated Beneficiary.
Hit your income floor automatically
Set a minimum annual income you want guaranteed, inflation-adjusted every year, and TaxWiseRetire draws from your accounts in the priority order you choose to make up any shortfall — refined in two passes so it lands close to your target without overshooting.
Find your Sustainable Income Floor
Not sure what income floor to set? One click runs a solver against your exact plan and recommends the highest minimum annual income it can actually sustain for the full time horizon — raising or lowering your current setting as needed. Review it, then apply it in one click. Free on every plan.
How it works
From zero to a full retirement projection in three steps.
Add your household
Enter the people and accounts involved — IRAs, 401(k)s, HSAs, brokerage accounts, and more. Free and unlimited.
Build a plan
Choose which accounts to include, set your assumptions — contributions, growth, inflation — and your filing status and state.
See the real numbers
Run the projection to see income, RMDs, and taxes year by year, then export the full workbook for safekeeping.
Free to build, honest about the rest
TaxWiseRetire just launched — pricing is simple, and there's no catch.
Free
$0
Build your full household and plans.
- Unlimited people & accounts
- Up to 50 saved plans, up to 25 accounts each
- Full plan configuration
- 1 free plan preview, incl. Excel export
Paid
$8.99 / month
or $74.99 / year Save 30%
Run the numbers and keep them.
- Everything in Free
- Run & save projections
- Full Excel export
Stop guessing what retirement will cost.
Build your household and your first plan for free — see exactly where you stand.