🏖️ Retirement Tax Calculators
401k, IRA, pension and retirement account tax calculators. 80 calculators updated for 2026.
United States
70401(k) Tax Calculator
Calculate tax savings from 401k contributions and tax impact of withdrawals.
USRoth IRA Calculator
Calculate Roth IRA growth, contribution limits and tax-free withdrawal benefits.
USRoth Conversion Calculator
Calculate the tax cost of converting Traditional IRA to Roth IRA and breakeven timeline.
USRequired Minimum Distribution Calculator
Calculate your RMD from Traditional IRA and 401k using IRS Uniform Lifetime Table.
USTraditional IRA Tax Calculator
Calculate tax deduction from Traditional IRA contributions based on income and filing status.
USEarly Withdrawal Penalty Calculator
Calculate the 10% early withdrawal penalty and taxes on IRA/401k early distributions.
USSocial Security Tax Calculator
Calculate how much of your Social Security benefits are taxable based on combined income.
USHSA Tax Calculator
Calculate triple tax advantage of Health Savings Account contributions.
US529 Plan Tax Calculator
Calculate state tax deduction and tax-free growth benefits of 529 education savings.
USPension Tax Calculator
Calculate federal and state tax on pension income for retirees.
USRetirement Tax Estimator
Estimate your total tax burden in retirement from all sources: pension, SS, IRA, investment.
USCrypto IRA Tax Calculator 2026 — Traditional vs Roth Comparison
Calculate Crypto IRA tax benefits: Traditional (tax-deferred) vs Roth (tax-free growth). 10/20/30-year projections with custodian fees. Crypto IRA vs taxable account comparison.
USSenior Tax Deduction Calculator 2026
Calculate the new OBBBA $4,000 senior deduction for taxpayers age 65 and older.
USBackdoor Roth IRA Calculator 2026
Calculate the pro-rata rule for backdoor Roth IRA conversions — avoid surprises from pre-tax IRA balances.
USMega Backdoor Roth Calculator 2026
Calculate after-tax 401(k) to Roth conversion — maximize tax-free retirement savings beyond normal limits.
USRoth vs Traditional 401(k) Calculator
Compare Roth 401(k) vs Traditional 401(k) — side-by-side take-home pay impact and retirement projections.
USInherited IRA Calculator — 10-Year Rule (SECURE Act)
Calculate optimal distribution strategy for inherited IRAs under the SECURE Act 10-year rule.
USBest State to Retire for Taxes Calculator
Compare total retirement tax burden across states — SS, pension, 401(k), property and sales tax.
USTax-Efficient Withdrawal Order Calculator
Optimize your retirement withdrawal sequence — taxable, traditional IRA/401(k) and Roth accounts.
USIRMAA Medicare Surcharge Calculator 2026
Calculate your Medicare Part B and Part D income-related surcharges at each IRMAA bracket.
USNet Unrealized Appreciation (NUA) Calculator
Compare NUA lump-sum distribution vs IRA rollover for employer stock in your 401(k).
USTrump Account Calculator (Section 530A)
Calculate growth projections for the new MAGA/Trump Account — $1,000 government seed plus $5,000/year contributions.
USCrypto IRA Tax Calculator — Bitcoin in Self-Directed IRA
Compare tax-deferred vs Roth crypto IRA — contribution limits, UBIT concerns, custodian fees and long-term projections.
USSocial Security Break-Even Calculator — 62 vs 67 vs 70
Find your Social Security break-even age — compare claiming at 62, 67 or 70 with tax impact on total lifetime benefits.
USTax-Advantaged Accounts Comparison Calculator 2026
Compare 401(k), IRA, Roth IRA, HSA, 529 and Trump Account — 2026 contribution limits, tax treatment and optimal strategy.
USNo Tax on Social Security Calculator 2026 (OBBBA)
Calculate if your Social Security benefits are tax-free under the new OBBBA senior deduction — $4K/$8K above-the-line with MAGI phase-out.
USRoth Conversion Ladder Calculator — Early Retirement (FIRE)
Plan a multi-year Roth conversion ladder for early retirement — 5-year waiting periods, annual conversion amounts and tax impact.
USRoth IRA 5-Year Rule Calculator — When Can You Withdraw Tax-Free?
Track both Roth 5-year rules — contribution clock and per-conversion clock. See exactly when each conversion becomes penalty-free.
USSocial Security Disability (SSDI) Tax Calculator
Calculate how much of your SSDI benefits are taxable based on combined income — 0%, 50% or 85% inclusion with other disability income.
USInherited 401(k) Tax Calculator — SECURE 2.0 Rules
Calculate tax on inherited 401(k) distributions — 10-year rule, NUA on employer stock, spouse rollover vs inherited account options.
USTraditional IRA vs Roth IRA Tax Comparison Calculator
Compare Traditional IRA (tax-deductible now, taxed later) vs Roth IRA (taxed now, tax-free later) — find the breakeven tax rate.
USHSA vs FSA Tax Savings Comparison Calculator
Compare Health Savings Account triple tax advantage vs Flexible Spending Account — contribution limits, rollover rules and 30-year growth.
US529 Plan vs UTMA/UGMA Tax Comparison Calculator
Compare 529 (tax-free growth, education only) vs UTMA/UGMA (taxable, flexible use, kiddie tax) for saving for children.
US457(b) Deferred Compensation Tax Calculator 2026
Calculate 457(b) plan tax savings — $24,500 limit, special 3-year catch-up (double), no 10% early withdrawal penalty.
USSEP IRA vs Solo 401(k) Comparison Calculator
Compare SEP IRA vs Solo 401(k) contribution limits, Roth availability, loan eligibility and tax impact for self-employed.
USForm 8606 Nondeductible IRA Basis Tracker Calculator
Track nondeductible IRA contributions across years and calculate the taxable portion of distributions and Roth conversions.
USAsset Location Optimizer Calculator — Taxable vs Tax-Deferred vs Roth
Optimize investment placement across account types — bonds in tax-deferred, growth in Roth, index funds in taxable for maximum after-tax wealth.
US403(b) Tax Calculator 2026 — Teachers & Nonprofits
Calculate 403(b) contribution limits ($23,500 + $7,500 catch-up + 15-year special), tax savings and growth for teachers and nonprofit employees.
USSIMPLE IRA Tax Calculator 2026 — Small Business Retirement
Calculate SIMPLE IRA tax savings — $16,500 limit, employer match rules, and 25% early withdrawal penalty within first 2 years.
USPension Lump Sum vs Annuity Tax Calculator
Compare pension lump-sum payout (rollover to IRA vs taxable) versus lifetime annuity payments — tax impact, breakeven age and total value.
USSocial Security WEP Calculator — Windfall Elimination Provision
Calculate WEP reduction to your Social Security benefits if you have a pension from non-covered employment (teachers, government workers).
US72(t) SEPP Early Withdrawal Calculator
Calculate substantially equal periodic payments (SEPP) to access retirement funds before 59½ penalty-free.
USForm 1099-R Distribution Tax Calculator — Code Decoder
Decode 1099-R distribution codes (1, 2, 7, G, B, etc.) and calculate tax owed on retirement plan distributions.
USQCD Calculator — Qualified Charitable Distribution from IRA
Calculate tax savings from sending IRA RMD to charity — $108K limit (2026), age 70½+, reduces AGI for IRMAA and SS tax.
USHardship Withdrawal Tax Calculator — 401(k) Safe Harbor
Calculate tax on 401(k)/403(b) hardship withdrawal — 8 IRS safe harbor reasons, 10% penalty applies, no loan repayment.
USNon-Qualified Annuity Withdrawal Tax Calculator — LIFO Rules
Calculate tax on non-qualified annuity withdrawals — LIFO ordering (gain first), exclusion ratio, 10% pre-59½ penalty.
USPre-Tax vs Roth vs After-Tax 401(k) Calculator — 3-Way Comparison
Three-way 401(k) comparison: Pre-Tax (deduction now) vs Roth (tax-free retirement) vs After-Tax (mega-backdoor lane).
USRoth IRA MAGI Phaseout Calculator 2026
Calculate reduced Roth IRA contribution within MAGI phaseout — $150K–$165K single, $236K–$246K MFJ for 2026.
USTraditional IRA Deduction Phaseout Calculator
Calculate deductible traditional IRA contribution with active participant phaseout — covered vs non-covered spouse rules.
USInherited Roth IRA Calculator — SECURE Act 10-Year Rule
Calculate inherited Roth IRA distribution strategy — 10-year rule but tax-free, eligible designated beneficiary distinctions.
USSpousal IRA Calculator — Non-Working Spouse Contributions
Calculate spousal IRA contributions for non-working spouse using working spouse's earned income — MFJ filing required.
USTax Bomb RMD Projection Calculator
Project decades of RMDs from large pretax IRA balance — bracket creep, IRMAA cliff, optimal Roth conversion runway.
USOptimal Roth Conversion Sizing Calculator — Annual Bracket Fill
Find the optimal annual Roth conversion amount — fill the bracket each year through age 73 with IRMAA cliff awareness.
US529-to-Roth Rollover Calculator (SECURE 2.0)
Plan unused 529 funds rollover to beneficiary Roth IRA — $35K lifetime cap, 15-year account requirement, earned income test.
USSolo 401(k) Roth vs Pre-tax vs After-Tax Calculator
Self-employed 3-bucket Solo 401(k) split — Roth designated, pre-tax elective, after-tax voluntary for mega backdoor.
USBackdoor Roth Multi-IRA Pro-Rata Calculator
Calculate backdoor Roth pro-rata aggregation across multiple IRAs (rollover/SEP/SIMPLE) — isolate basis via 401(k) reverse rollover.
USForm 1099-R Distribution Code Decoder
Decode 1099-R Box 7 distribution codes — 1/2/3/4/7/G/P/R/T determine penalty, taxability and rollover treatment.
USForm 1099-Q (529 Distributions) Calculator
Calculate 529 distribution tax with Form 1099-Q — qualified vs non-qualified, basis vs earnings, 10% penalty.
USForm 1099-LTC Long-Term Care Benefits Tax Calculator
Calculate tax on long-term care insurance benefits — per-diem cap ($420/day 2026), reimbursement vs indemnity, IRC §7702B.
USRMD Withholding Election Calculator (Form W-4R)
Calculate RMD withholding — default 10% federal, customize via Form W-4R, state withholding by state, avoid year-end surprise.
USSECURE 2.0 Roth Catch-Up Requirement Calculator (§603)
Calculate SECURE 2.0 §603 — high earners $145K+ MUST make catch-up contributions as Roth designated (effective 2026).
USSECURE 2.0 Student Loan Match Calculator
Calculate employer 401(k)/403(b)/457(b) match on student loan payments under SECURE 2.0 §110.
USSECURE 2.0 Super Catch-Up Calculator (Ages 60-63)
Calculate SECURE 2.0 §109 super catch-up for ages 60-63 — $11,250 (2026), greater of $10K or 150% of regular catch-up.
USRMD Required Beginning Date (RBD) Calculator
Calculate Required Beginning Date for first RMD — April 1 of year after age 73, double-RMD trap, missed RMD penalty.
US401(k) Hardship Withdrawal Tax Calculator
Calculate tax on 401(k) hardship withdrawal — federal income tax + 10% penalty (unless exception), state tax, FICA exempt.
USCoverdell ESA Tax Calculator
Calculate Coverdell Education Savings Account — $2,000/year contribution limit, MAGI phaseout, qualified K-12 + college expenses.
USABLE Account Tax Calculator (Disabled Beneficiary)
Calculate ABLE account tax benefits — $19K annual cap (2026), tax-free growth, SSI/Medicaid preservation, disability onset before 26.
US§72(t)(2)(J) Qualified Birth/Adoption Distribution Calculator
Calculate $5,000 penalty-free retirement distribution per child for birth or adoption — 3-year repayment window.
US§72(t)(2)(M) Domestic Abuse Victim Distribution (SECURE 2.0)
Calculate $10,000 SECURE 2.0 penalty-free distribution for domestic abuse victims — self-certify, 3-year repayment.
USFirst-Time Homebuyer IRA Distribution Calculator (§72(t)(2)(F))
Calculate $10,000 lifetime IRA penalty exception for first-time homebuyer — applies to spouse, kids, grandkids.
USUnited Kingdom
2UK Pension Tax Relief Calculator
Calculate pension tax relief and annual allowance. Basic, higher and additional rate relief.
UKUK Pension Annual Allowance Taper Calculator 2026/27
Calculate your 2026/27 UK pension annual allowance after tapering. Standard £60,000, tapered when adjusted income >£260K (min £10K). NHS pension scenarios and carry-forward analysis.
UKAustralia
2Superannuation Tax Calculator
Calculate super contributions tax (15%) and retirement benefits tax.
AustraliaAustralia Salary Sacrifice Calculator 2025-26 — Super Tax Savings + Div 293
Calculate 2025-26 Australian salary sacrifice benefits: concessional cap $30,000, contributions tax 15%, Division 293 at $250K threshold. Carry-forward unused caps, net income impact, super projections.
AustraliaUniversal
5Australia First Home Super Saver Scheme (FHSS) Calculator
Calculate tax savings from the FHSS scheme — withdraw up to $50,000 from super for your first home at 15% tax vs marginal rate.
UniversalUK Pension Annual Allowance Taper Calculator
Calculate your tapered pension annual allowance — £60K reduced to £10K minimum for adjusted income above £260K.
UniversalAustralia Salary Sacrifice Calculator 2026 — Super & Tax Savings
Calculate tax savings from salary sacrificing into super — 15% contributions tax vs your marginal rate. $30K concessional cap.
UniversalCanada TFSA Calculator 2026 — Tax-Free Savings Account
Calculate TFSA contribution room ($7,000/year, cumulative $102,000), tax-free growth and optimal TFSA vs RRSP strategy.
UniversalUK Pension Drawdown Tax Calculator — Tax-Free Lump Sum + Income
Calculate 25% tax-free pension lump sum and income tax on flexi-access drawdown — optimize withdrawal strategy for UK retirees.
Universal