Pricing
Free check. $99/year Roth household board.
One free result. One paid plan. No monthly tiers. Educational estimates only.
Paid · one plan
$99/year
Roth stops, lifetime compare, year-by-year schedule, clock 2, widow view, QCD notes. Stops to compare, not advice.
Cancel anytime. 30-day money-back: reply to your Stripe receipt. Billing help: contact us or reply to the receipt.
What you type (free check)
- Are you married filing a joint return? (line is $218,000 vs $109,000)
- Income from the tax return Medicare is using: Form 1040 line 11 (AGI) plus line 2a (tax-exempt municipal-bond interest)
Should you convert, and how much?
Free check: Are you already over the Medicare line on the return being used? How much room before the next IRMAA threshold? What does $1 over cost for twelve months?
$99/year board: Compare hold-steady vs a modeled multi-year conversion path. See stops at bracket tops and Medicare lines, a year-by-year schedule, clock 2 for this year's income, widow view, and CPA export. When doing nothing wins the lifetime model, the board says hold steady. It does not output a command to convert a dollar amount.
What you get back
Under or over the Medicare income line, what one extra dollar costs ($1,148.40 / $2,296.80), and a labeled comparison list. SSA-44's official link and print-this-result are on the free result, not $99 extras.
Full comparison
| Feature | Free | $99/year | Why it matters |
|---|---|---|---|
| Two-question income-line check | Included | Included | Two minutes. No account. |
| Determination table (UNDER/OVER, $1-over cost) | Included | Included | $1 over is $1,148.40 for twelve months. |
| Text result to spouse | Included | Included | Share before anyone moves IRA money. |
| Roth conversion stops to compare | Not included | Included | Bracket tops and Medicare lines. Stops to compare, not convert exactly $X. |
| Lifetime do-nothing vs modeled conversion | Not included | Included | Modeled to age 90 in today's-value dollars. |
| Year-by-year conversion schedule | Not included | Included | Compare a modeled path with holding steady. |
| Clock 2: this year's income to premium two years later | Not included | Included | 2026 income writes the 2028 premium. |
| Widow view ($218k to $109k) | Not included | Included | Joint line vs survivor line on the same income. |
| QCD + inherited IRA notes | Not included | Included | Charitable QCD and inherited IRA takeouts vs the line. |
| Account required | No | Yes | Paid board saves your household. |