Tax Planner
Adjust what you do this year and watch your tax, IRMAA, ACA and remaining headroom update instantly. Your saved plan is never changed.
2026
Federal tax
🧾$0
same as plan
Taxable income
Σ$0
plan $0
MAGI
M$22,482
plan $22,482
IRMAA (2 yrs later)
🏥None
not on Medicare yet
ACA subsidy
🛡️N/A
not under 65 / not covered
What you're doing this year
Drag up to add a move, or down to reduce what the plan already does (a category with no plan amount can't be reduced). Results update instantly.
IRA / 401(k) withdrawal
$
plan has none — can only addplan $0 · max $600,000
Roth conversion
$
plan has none — can only addplan $0 · max $600,000
Taxable brokerage — long-term gain
$
plan $18,252 — drag down to $0 · $50,000 more availableplan $18,252 · max $68,252
Income this year
Seeded from your plan — enter exact amounts. These drive MAGI, so they move your IRMAA and ACA headroom.
Salary / wages
$
plan: $0
Short-term capital gains
$
plan: $0
Taxable interest
$
plan: $1,058
Dividends (qualified)
$
plan: $3,173
Dividends (ordinary)
$
plan: $0
Social Security (gross)
$
plan: $0
Deferred compensation
$
plan: $0
How much room you have left
Measured from your plan for 2026. Move the sliders and these update instantly — ordinary moves and gain harvesting share the MAGI-based limits.
net vs plan · ordinary +$0 · gains +$0
Social Security taxed: $0No Social Security benefits this yearprovisional income $22,482
Ordinary-income room left
↑$55,943
before 10% bracket
0% capital-gain room left
↗$50,000
before All gains realized
Cost of your next dollar
%$0.00
incl. any ACA / IRMAA jump crossed
Room by strategy and guardrail (after your current moves)
each cell shows room to the next threshold · Passed = all crossed · n/a = doesn't apply
| Strategy | Next bracket(10%) | SS torpedo | IRMAA | ACA cliff | NIIT | Cap-gain | Capacity |
|---|---|---|---|---|---|---|---|
IRA / 401(k) withdrawal adds ordinary income | $55,943 | n/a | n/a | n/a | $227,518 | $108,618 | $600,000 |
Roth conversion shares the ordinary-income axis | $55,943 | n/a | n/a | n/a | $227,518 | $108,618 | $600,000 |
Brokerage gain harvest (long-term) preferential rate; counts toward MAGI | n/a | n/a | n/a | n/a | n/a | n/a | $50,000 |
Ordinary income
$55,943 left before 10% bracket. Your next dollar costs about $0.00 in combined tax, lost ACA subsidy and Medicare surcharge.
Ordinary taxable income reaches the top of the 10% bracket
Capital gains
$50,000 of long-term gains left before All gains realized. Gains inside the 0% bracket are tax-free but still raise MAGI, so they share the limits above.
You have realized all available unrealized gains