US retirement calculators with every number cited to official SSA and Medicare sources.
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What a Roth conversion does to Medicare costs (2026 IRMAA tiers).
Args: status: filing status: "single", "joint" (married filing jointly) or "separate" (married filing separately). magi: modified adjusted gross income before the conversion, USD. roth_conversion: extra income the Roth conversion would add, USD.
Returns JSON with the IRMAA tier before and after, Part B monthly premium, Part D surcharge, the extra annual Medicare cost per person, and the MAGI room left before the next bracket cliff. Tiers from the official Medicare 2026 costs fact sheet; IRMAA is a two-year lookback.
Inputs: magi (required), status (required), roth_conversion. Returns: result
Social Security claiming break-even analysis for a US worker.
Args: birth_year: worker's year of birth (1938-2010). pia: monthly retirement benefit at full retirement age in USD, as printed on the worker's ssa.gov statement. claim_ages: whole claiming ages to compare, each 62-70 (default 62, 67, 70).
Returns JSON with each age's monthly benefit, cumulative totals to 75/80/85/90 (today's dollars), and the break-even age for each pair. Rules and factors from ssa.gov/OACT (nra.html, early_late.html).
Inputs: pia (required), birth_year (required), claim_ages. Returns: result
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Retirement drawdown, 72(t) SEPP, RMD, Roth conversion, Social Security and state-tax calculators.
Retirement Monte Carlo, tax-aware withdrawals, 2026 tax calculators, RMD, IRMAA, every-state tax.
Net worth percentile by age (Federal Reserve data) and retirement savings calculators. Free.
Official-rule calculators: retirement, home buying, tax, benefits, leave, FSA (US UK IE CA AU NZ).
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