Retirement Tax Plan
Estimate your Federal taxes with income stacking optimization.
Tax Year
Personal Details
Medicare Eligible
You are eligible for Medicare.
Income Streams (Annual)
$
$
$
$
$
$
$
$
$
Enter your details to see the tax breakdown.
Social Security Optimization
$
Age 62
$1400/mo
Age 67 (FRA)
$2000/mo
Age 70
$2480/mo
Cumulative Benefits Received
How to Use
1
Select Tax Year
Choose between 2025 and 2026 tax years to see how different regulations affect your liability.
2
Enter Details
Input your filing status, standard deductions, and personal information to set the baseline.
3
Add Income
Add various income streams (W2, Capital Gains, Pre-Tax, etc.) to visualize stacking order.
4
Optimize
Review the breakdown and use the optimization dashboard to minimize your effective tax rate.
Frequently Asked Questions
How accurate are the tax calculations?▼
The calculations are estimates based on 2025/2026 IRS tax brackets and standard deductions. While we strive for accuracy, this tool is for planning purposes only and should not replace professional tax advice.
What is 'Income Stacking'?▼
Income stacking is the method of ordering different income types (Ordinary, Capital Gains, etc.) to optimize how they fill the progressive tax brackets, potentially lowering your overall effective tax rate.
Why can I select 2026 tax year?▼
The 2026 tax year option allows you to plan for the potential expiration of the Tax Cuts and Jobs Act provisions, which may significantly change tax brackets and standard deductions.
Is my data stored?▼
No. All calculations are performed locally in your browser. No personal data is sent to any server or stored permanently.