Updated October 2026 · 2026 tax figures

Retirement taxes and healthcare costs, explained

Simple tools that show where your income crosses a line that raises your taxes or Medicare premiums, and what you can do about it.

Find your calculator How it works
One dollar over the line… …raises the bill Your income → What you pay →
Illustration only, not your numbers.That sudden step is the cliff.

What's your situation?

Pick the one that sounds most like you. Each calculator takes about a minute.

Medicare surcharge · IRMAA I'm retiring soon Will my Medicare premium go up? Check whether your income triggers the extra monthly charge. Medicare IRMAA calculator Health insurance gap I'm retiring before 65 What will health coverage cost until Medicare starts? See how your income affects marketplace subsidies. Early-retirement health insurance calculator Tax brackets · Roth I want to lower my taxes How much can I convert to a Roth without stepping into a higher tax bracket? Roth conversion bracket calculator

None of these fit? Browse all calculators

How these tools work

  1. 1Enter three or four numbersOnly what you already know: income, filing status, age.
  2. 2Read a one-sentence answerThe result comes first, in plain English, before any detail.
  3. 3Open the math if you want itEvery figure can be expanded so you can check how we got there.
  4. 4See what you can do about itWays to stay under the line, or to plan around it.

Nothing you type leaves your browser.

The math runs on your device. There is no account to create and your numbers are never sent to us. Read the privacy note