← Retirement Tax Radar

Disclosures

Educational purpose only

Retirement Tax Radar provides educational information and estimates. It does not provide individualized tax, legal, accounting, or investment advice, does not prepare or file tax returns, and does not recommend the purchase or sale of any security or insurance product. Nothing on this site should be read as a recommendation to take any specific action.

Estimates and assumptions

• Calculations use 2026 federal tax rules as modeled by our engine, including the standard deduction, the age-65 additional deduction, the senior bonus deduction and its phaseout, Social Security taxability thresholds, long-term capital-gains stacking, Medicare income-related premium tiers, and required-withdrawal ages (73/75). Two items are flagged UNCONFIRMED wherever the app states them as fact: the OBBBA senior-deduction 6% phase-out rate is CRS-sourced, not an IRS-published 2026 table; and the RMD age for birth year 1959 is UNCONFIRMED (this model uses 73).
• State and local taxes are not included. Your total tax picture may differ meaningfully depending on where you live.
• Medicare premiums (officially IRMAA) are determined from your income two years prior. Projections assume current thresholds and premiums, which change annually.
• Lifetime projections assume a 7% annual growth rate on pre-tax balances, a 5% discount rate for present value, and a planning horizon to age 90. Real returns, tax law, and life expectancy will differ.
• Results describe possibilities to consider and review, words like "estimated," "modeled," and "potential" mean exactly that.

No guarantee of savings

Modeled differences between scenarios are estimates, not promises. Whether any strategy helps you depends on facts we cannot see, your full financial picture, future income, future law, and your state. Our engine will tell you "hold steady" when the numbers don't support acting; treat every result as a starting point for a conversation with a qualified professional, not a conclusion.

Deadlines we reference

We reference only real deadlines, for example, Roth conversions generally must be completed by December 31 to count for the tax year, and new tax figures are published each fall. We do not use countdown timers, artificial scarcity, or invented urgency.

Payments

Payments are processed by Stripe. Billing amounts and renewal terms are stated exactly at checkout. The $99/year household save includes a 30-day money-back guarantee.

Questions

If anything here is unclear, contact us, we'd rather explain than have you guess.