TaxEstimateCalculator
Plan Roth conversions and tax
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
Plan Roth conversions with confidence. See your headroom live, model the tax on every conversion, and know what to pay this quarter. All on your iPhone, all on-device.
TaxEstimateCalculator is a this-year tax planner for self-managing retirees. It answers two questions the long-term retirement planners don't:
• How much more ordinary income (or Roth conversion) can I take this year before it costs me more than I want?
• What do I actually owe in estimated tax this quarter, and how do I avoid an underpayment penalty?
Built for the audience that already knows the concepts (brackets, IRMAA, safe harbor, RMD) but doesn't want to do the arithmetic by hand.
HEADROOM
• Hero number: "You can convert up to $X and stay in the 22% bracket."
• Marginal-rate curve plotting the tax on your next dollar against additional conversion. Bracket transitions show as step-ups; SS-taxability and OBBBA-phaseout regions show as bumps above the nominal bracket rate.
• Labeled x-axis at every upcoming bracket edge so you can read exact dollar headroom directly from the chart.
• Cliff list: IRMAA tiers (with 2-year forward perspective — a 2026 conversion drives 2028 premiums), LTCG 0%/15% threshold, OBBBA senior-bonus phaseout end. Each shows distance in dollars and annual cost if crossed.
PAY (FEDERAL + STATE)
• Target / Paid / Left progress bar against the safe-harbor target (lesser of 90% of this year's tax, or 100%/110% of last year's tax).
• Quarter-by-quarter table showing target vs actual payments.
• Two strategy modes: Safe Harbor (the standard 4-quarter view) and Pay-as-you-Convert (a what-if calculator: enter a hypothetical conversion, see the additional federal tax to add to your next 1040-ES voucher).
• December-withholding suggestion: cover the whole year's shortfall by withholding from a year-end conversion or distribution.
• State tax: full computation for no-income-tax states (TX, FL, AK, NV, NH, SD, TN, WA, WY) and flat-rate states (PA, IL, CO, MI, IN, KY, UT, NC, MS, AZ, ID, GA, IA, MA), now modeling per-person, age-gated pension/retirement-income exclusions and government-vs-private pension treatment. Progressive states (CA, NY, NJ, etc.) get an information card with the top marginal rate and retirement-income treatment.
REQUIRED WITHDRAWAL (RMD)
• Computes the required amount from your pre-tax balances and birthdate using the IRS Uniform Lifetime Table.
• Handles the SECURE 2.0 age-73 / age-75 split (depending on birth year).
• Flags the double-RMD trap if you deferred your first RMD past April 1.
• Lets you record what you've already withdrawn and shows what's left.
PRINTABLE PDF REPORT
• Three-page report mirroring a CPA tax-planning analysis: income summary, bracket-fill tax calculation, federal + state summary, estimated quarterly payments, headroom analysis, source citations.
• Share to Files, Mail, AirDrop, or print directly.
DATA OWNERSHIP
• 100% on-device. No account, no sign-in.
• Zero analytics, tracking, or telemetry SDKs.
• No network requests from the engines or UI. The only network path is Apple StoreKit if you tip.
• Your household profile saves to a plain JSON file in the app's Documents directory.
• Export your data to share with your tax preparer or move to a new device. Import from any prior export.
REFERENCE
• Glossary explaining every term the app uses (Roth conversion, MAGI, IRMAA, safe harbor, OBBBA bonus, etc.).
• Reference Data hub you can drill into — federal brackets, capital gains, deductions, Social Security taxability, IRMAA tiers, the RMD table, and per-state pension exclusions — each with its source citation (IRS Rev. Proc., CMS, state DOR).
• State Tax screen with rate and retirement-income treatment for all 50 states + DC.
NOT TAX ADVICE
TaxEstimateCalculator is an estimator. It is not tax advice. Confirm any decision with a CPA, EA, or qualified tax preparer.
Supports all five filing statuses (MFJ, QSS, Single, HoH, MFS) and the 2026 tax year.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
- fixes for some states
- updated reference data to make data being used more visible
- add pension deductions for some states
- government vs private pensions
The developer, Easy Chair Apps Lab, LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Easy Chair Apps Lab, LLC
- Size
- 1.5 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - iPad
Requires iPadOS 17.0 or later. - Mac
Requires macOS 14.0 or later and a Mac with Apple M1 chip or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Large Tip $4.99
- Medium Tip $2.99
- Small Tip $0.99
- Copyright
- © 2026 Easy Chair Apps Lab, LLC