Twenty-two educational tools covering Roth IRA contributions, conversions, Medicare IRMAA, withdrawals and inherited-account math. Open each tool for its inputs, assumptions, source year and limitations. A result is a starting point for checking a rule or calculation, not a personalized recommendation.
Decision Engines
Multi-step flowcharts and planners that route you through a rule set, then output a structured answer instead of a single number.
Inherited Roth IRA: First-Year Illustrations
Compare withdrawal patterns starting in the first distribution year. Limited to supported direct beneficiaries; taxes and past payout periods are not calculated.
Inherited Beneficiary Type
Explore beneficiary categories and their general rules. Trusts, historical cases and unresolved interests may need separate review.
Withdrawal Explainer
Walks the IRS ordering rules dollar-by-dollar: contributions → conversions FIFO → earnings.
Multi-Year Conversion Planner
Bracket-filling, IRMAA-aware schedule builder across multiple tax years.
Asset Location Architect
Which sleeve (bonds, stocks, REITs) belongs in which account type, and why.
Can I Contribute?
Estimate the 2026 direct age/MAGI ceiling, then check compensation and prior contributions.
Backdoor Roth Diagnostic
Audit contribution room, two tax-year calendars, the owner-wide IRA pool, SIMPLE restrictions, cleanup conditions, and Form 8606 records.
Calculators
Focused estimates for contribution, conversion and long-term saving questions. Review the selected year and assumptions before using a result.
True Cost of a Conversion
Specified federal-tax interactions and a Medicare surcharge benchmark. State and local tax are not calculated; review the model's scope.
IRMAA Trap Detector
Before-and-after IRMAA MAGI, exact 2026 tier edges, separate Part B and Part D counts, and the added surcharge.
Backdoor Roth Calculator
Pro-rata math under IRC §408(d)(2), Form 8606 trail, cleanup paths.
MAGI Estimator
Eligibility, phase-out band, and dollar-level levers to stay under the cap.
Growth Projection
Projected growth assuming qualified Roth withdrawals, with side-by-side real-vs-nominal returns.
Started Earlier
What waiting to start costs you — the dollar value of time in a Roth IRA.
Roth vs. Traditional
Side-by-side after-tax outcome at retirement under different rate scenarios.
Fee-Drag Calculator
The compounded cost of an extra 1% in expenses across 30 years.
Missed RMD Penalty
Conditional excise-tax scenarios for a confirmed shortfall, with correction-window checks and Form 5329 references. A waiver request is not approval.
Required Beginning Date
Traditional IRA owners' first RMD dates, with a separate note for 1959 births.
Schedules & Data
Year-by-year timelines, eligibility checkers, and reference data tables.
Conversion Ladder
FIRE bridge to age 59½: year-by-year conversion rungs with separate 5-year clocks.
10-Year Rule Schedule
A deadline and calendar for confirmed direct non-EDB inheritances, with optional growth reference — not a recommended withdrawal plan.
Saver’s Match Eligibility
SECURE 2.0 §103 — up to $1,000 federal match starting tax year 2027.
Roth IRA Statistics
Market totals, household ownership, balances and IRS contribution data — with reporting dates and sources.
Trump Account Eligibility
Screen basic 2026 account and federal-pilot conditions, with separate Dell program guidance. Not an account lookup or award confirmation.
Frequently Asked Questions
Are these tools tax advice?
No. These tools are educational estimates and rule explainers. Even when a tool accepts tax or state information, its inputs cannot capture every employer-plan term, beneficiary document or other part of your circumstances. Check its scope and assumptions, and confirm decisions with your tax professional.
What 2026 figures and rules do the tools use?
For 2026 reference, Notice 2025-67 sets the combined regular Traditional/Roth IRA cap at $7,500 ($8,600 at age 50+), Roth MAGI phase-outs at $153,000–$168,000 Single/HoH and $242,000–$252,000 MFJ, the 401(k) employee deferral limit at $24,500 and §415(c) annual additions at $72,000. Eligibility and compensation limits still apply. The 2026 CMS premium table begins IRMAA above $109,000 Single or $218,000 MFJ; other filing-status rules differ. The catch-up final regulation is TD 10033, generally applicable beginning in 2027, distinct from the statutory 2026 requirement after transition relief. See the Roth 401(k) guide. Check each tool's selected year and supported cases; this directory summary does not establish that every tool implements every rule listed here.
Is the math shown? Can I audit each tool?
Review the individual tool's explanation, assumptions, selected year and source references. Reproduce any consequential result before relying on it. If a formula, input treatment or limitation is unclear, ask us; a directory description is not a substitute for validating that calculation.
Do the tools store my inputs or send them anywhere?
This directory does not request financial inputs. For an individual tool, check its privacy explanation and any save or export controls; do not assume reloading necessarily erases all stored information. The site stores consent preferences and can load analytics when consent is given. Browser-based calculations are not a blanket promise of no storage or network activity. See the privacy policy.
How often are the tools updated?
Update timing depends on the figure and governing authority. Many IRS and Medicare figures change annually, but the federal bankruptcy-dollar adjustment cycle is generally three years under 11 U.S.C. §104, not annually. Check the individual tool's stated year and assumptions; this page does not promise immediate implementation of every new release. Substantive site changes appear in the changelog.
Corrections and updates
Correction · October 1, 2026. The inherited-Roth schedule listing now describes a scoped calendar and optional growth reference, not suggested withdrawal pacing. The conversion-cost listing no longer promises state-tax calculations that the model excludes. No linked calculator is newly certified by these listing corrections. Public correction record.
September 24, 2026 correction: corrected the catch-up regulation citation and distinguished 2026 statutory operation from later regulatory applicability. Removed blanket assurances that every tool has been verified, stores nothing, makes no analytics requests or is updated immediately. Clarified qualified-withdrawal assumptions, filing-status limits and the nonannual bankruptcy-dollar adjustment cycle. Public correction record.