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RetireTaxGuide

Tax Planner

Adjust what you do this year and watch your tax, IRMAA, ACA and remaining headroom update instantly. Your saved plan is never changed.

2026
Federal tax
🧾$0
same as plan
Taxable income
Σ$0
plan $0
MAGI
M$22,482
plan $22,482
IRMAA (2 yrs later)
🏥None
not on Medicare yet
ACA subsidy
🛡️N/A
not under 65 / not covered
What you're doing this year
Drag up to add a move, or down to reduce what the plan already does (a category with no plan amount can't be reduced). Results update instantly.
IRA / 401(k) withdrawal
$
plan has none — can only addplan $0 · max $600,000
Roth conversion
$
plan has none — can only addplan $0 · max $600,000
Taxable brokerage — long-term gain
$
plan $18,252 — drag down to $0 · $50,000 more availableplan $18,252 · max $68,252
Income this year
Seeded from your plan — enter exact amounts. These drive MAGI, so they move your IRMAA and ACA headroom.
Salary / wages
$
plan: $0
Short-term capital gains
$
plan: $0
Taxable interest
$
plan: $1,058
Dividends (qualified)
$
plan: $3,173
Dividends (ordinary)
$
plan: $0
Social Security (gross)
$
plan: $0
Deferred compensation
$
plan: $0

How much room you have left

Measured from your plan for 2026. Move the sliders and these update instantly — ordinary moves and gain harvesting share the MAGI-based limits.

net vs plan · ordinary +$0 · gains +$0
Social Security taxed: $0No Social Security benefits this yearprovisional income $22,482
Ordinary-income room left
↑$55,943
before 10% bracket
0% capital-gain room left
↗$50,000
before All gains realized
Cost of your next dollar
%$0.00
incl. any ACA / IRMAA jump crossed
Room by guardrail (after your current moves)
bar = where you are · markers = every bracket / tier / cliff ahead · gap to the next marker = headroom

Each bar fills to your current position on that guardrail's measure (ordinary taxable income, MAGI, provisional income, total taxable income); markers show every threshold still ahead, and the tinted gap from the bar top to the next marker is the headroom printed under the bar. Heights use a square-root scale so near-term gaps stay visible next to far-off thresholds. Guardrails that don't apply this year are hidden; Passed means every threshold is crossed.

Ordinary income

$55,943 left before 10% bracket. Your next dollar costs about $0.00 in combined tax, lost ACA subsidy and Medicare surcharge.

Ordinary taxable income reaches the top of the 10% bracket

Capital gains

$50,000 of long-term gains left before All gains realized. Gains inside the 0% bracket are tax-free but still raise MAGI, so they share the limits above.

You have realized all available unrealized gains